Thanks all for the good advice (except for you GWhats! LOL). If I borrowed $3000, I would indeed have a hard time paying it back by January if KRY tanked. That's a lot to stake on KRY's success, even though I firmly believe it would be a pretty good gamble. GWhat - I bankrupted myself once before because I thought KRY was a sure thing - I think once is enough. For your sake, I hope the price appreciates from here and you can pay those credit cards back and have a lot left over for yourself. Empty Pockets - I was willing to take the $90 hit in the hopes of making a lot more than that in price appreciation.

I may borrow a more modest amount that I can pay back no matter what happens.