Props GOUSC/radelow, groundbreaking stuff to get one to pencil out in La Jolla and your financial plan is well thought out and contains a lot of options and potential fallback positions. You may not realize it, but you and the half dozen other posters/buyers this week are laying out the blueprint for the other piggies. Heavy reserves, underextending, guarded optimism and a solid plan for what might or might not happen. Not one of you is banking on appreciation.