Do you have insurance? Would they pay part? I remember when I was looking at IP's before I got put IP involuntarily....there was a really nice one like in Malibu CA but it was $30K. That's 3/4ths of what I usually earn in a year, though this year will be less than that because of all the furloughing. But too bad because I probably could have really benefited from that IP. HUGS Kit