Well the RSUs required one of two things: laying down a whole lot of money to purchase them up front or accepting the loan and promissory note from the company. I'm the only one that went 50/50. I had thought i was being clever and getting the options first (highest risk in first 2 years) and the RSUs second, but it turns out that even though i had a vesting schedule like that it was valid because the board would have had to vote on something like that. It's almost moot at this point though.