The "I almost just ate it" part hit me right in the gut because I am that guy, I have eaten so many dumb losses in my life just to avoid a fight. My sister had almost the exact same thing in Logan Square and she sat on it for two months before she even looked up the rules, which was dumb because that 30 day thing is real and the double deposit part is no joke. The one thing I would say is do not wait around like she did, because a lot of this stuff has time limits on it. Also huge respect to your buddy for pushing you, mine would have just told me to key the guy's car or something.