[tdaltonc]

I've actually won that lottery before. The process of going through it was looming large in by mind when I came up with this model. As we were packing to go, a friend of means asked if he could join. I had to tell him that there was no way for him to buy-in on joining. We would have gladly endowed Yosemite a bench to be able to join. That experience also loomed.