Aw! I feel like you, UGH! I didn't know that about the 20% - interesting. Hang in there. My mom always told me "not to make decisions when you're stressed out(god bless her soul). It will work out - but I'll admit, I'm getting inpatient.
BTW, I dug through some more boxes and found my crock pot! YAY! I'm making a crock pot meal tomorrow. It's so freaking cold here that it's miserable to grill. I know, I'm in the south but remember the humidity is very high and makes the joints ache.
[chart]investorshub.advfn.com/uimage/uploads/2015/5/20/hcg