Stubby !!!  
 
 I am in the same boat with ya buddy. I am going to keep my hours the way they are and show them I got what it takes to work through the winter. I anticipate business being slower than normal, but it’s only a few months. I have saved and put away my proverbial squirrel’s nut for the winter to help me along. I hope you go with option 3 and worst case, you can fall back on option 2 or 1 if need be.