For the life of me, I can't understand the 4-6%. Seems waaay too low. I'm thinking 25% at least.
Tough day for you. We all will have to decide how valuable some of our friendships really are before this is over.
You're right of course. All we can do is keep moving forward. The numbers will be what the numbers will be. I'd rather prepare for the worst-case scenario. Better to be pleasantly surprised than caught with our pants down.