Two weeks ago or so I loaded at $3.89. Therefore your price today $3.82 is better than mine. However in the end a few cents here and there makes no difference since we are headed to $83 anyways assuming you are willingly to hold for say ten years. However if you are old then you might be dead by then. If you pass your stock certificate to your kids then they would benefit. If you do not like your kids then perhaps a reverse stock certificate similar to a reverse mortgage might be better. If you are still alive then a moot point since you can enjoy your winnings. Laughing out loud.