Your response will then dictate potential methods to transfer wealth.  

The thickness may dictate if you should use glue down or floating.

But I'm not sure we have a full picture of your finances to advise you directly.Speaking to a financial advisor will help give you an idea of what you'd be comfortable spending and establishing those boundaries for yourself will help dictate the area you might want to look for.

If company policy dictates firm adherence to the contract, then why did you and Alan keep me waiting on a refund proposal for 6 months?

I would think your conditions of approval will dictate open space etc.Good luck with it sound like a nice project !!!!

If company policy dictates firm adherence to the contract, then why did you and Alan keep me waiting on a refund proposal for 6 months?

Demand dictates price.

And if you look at charts, rates do not exclusively dictate the direction of prices, but they can effect the demand......And don't fixate on the last ~5 years and think those were typical, they're not, they were an anomaly based on many factors and not typical of market cycles or timing.

This is what is going to happen to unlock trillions in illiquid capital b/c the value of each security will be dictated by the performance of the asset. 

If company policy dictates firm adherence to the contract, then why did you and Alan keep me waiting on a refund proposal for 6 months?