20K is a bit of a stretch I think. Looking at APC info for RAH, SKW, CPZ, I only see a couple of bucks either way at 12 and 4 years. We are also keeping some good provisions and prorections from our current contract. Very easy to increase credit here, if you are the entrepreneur type. I shoot for 100 hrs credit every month and have had success, even when I was in my first year.