My estimate was predicated on employment. If you don't have your job anymore, then it's of course 0% (and you are well aware of your $0 EV). The complement equa

My estimate was predicated on employment. If you don't have your job anymore, then it's of course 0% (and you are well aware of your $0 EV). The complement equals "company ceases to exist" + "banking errors" + "getting laid off without receiving your last paycheck".