How many takers do we think they'll get for a VLOA? People are running around hoarding T.P., yet the average household savings in the U.S. is just over $10k. The economy, and especially this industry, won't survive until July or August. First the jobs will go, next will come the repos and foreclosures, housing market crashes, student loan defaults, banks fail, yada yada yada. Seems like a terrible time to forego income, winter is coming.