Hi Ryan,I have worked and invested in the Chicago market for many years now although the following is merely my opinion.

It's not mere speculation.

However, in the event of an emergency you have until the 5th before it’s late as a mere courtesy.

If the asbestos-containing product or surface is in good shape, the mere existence is not nearly as big of an issue as most think it is. 

I may not understand what you are trying to accomplish so consumer protection laws may not be relevant.Even though a title company may underwrite a title policy for a mere $1,000 face-value policy and issue a warranty deed, I can assure you that should there ever be a challenge in the chain of title, the $1,000 insurance policy will not cover attorney fees to defend against the litigation.

I don't expect to get paid (despite all the promises) and have sent it to collections merely to have it stick to her credit report since I can't go to small claims without an address anyways.

A HELOC can change overnight since it's merely an ongoing offer of credit based on your property's value.Hope that helps!

For a mere $100 the problem can be fixed in it's entirety, including replacing an entire appliance!

It's merely a guaranteed payment benefit to the program participants(tenants) that the Landlords (payees) benefit from...Do it!

When you invest the HSA proceeds, the funds are still within the HSA, merely held in an investment instead of just cash.