SK will not have "refund risk". All plans should provide value that is competitive. How each gets there may differ. The most important thing is a quick conformation process. Secured creditor support is crucial to success. New capital infusions need not be large. http://blog.taragana.com/business/2010/06/14/subprime-lender-fremont-general-emerges-from-bankruptcy-after-signature-group-reorganization-70265/ Now if only someone could help me get my portion of principal, interest and the $1.5 million bonus for accepting the plan, I can redeploy my funds!