Avalon's timing sucked - 5:30am US west coast. I hadn't expected as much of a price hike, and hadn't expected the batch to open until next week. I had planned to buy at least two. I'd even managed to complete the MtGox verification as of Friday.
For what it's worth, I would have happily repaid 40BTC + 20% in less than 10 days, probably even +30%. A higher return for the admittedly crazy risk.. for just long enough to cover the BTC liquidity shortfall.
I've lost count of the times I've said "I'm stuck with USD in the bank" today. But options are limited at graveyard shift Sunday night / Monday morning.
Oh well, at least this way my wife won't have to kill me.