147,709
Yup.
Tho I still have that as the second step.
No harm in writing down the idea first, as if the bank check fails, it can just be put aside while waiting until the bank says it's ok.
The big no-no would be to ask, send idea and -then- check bank, only to find that "nah, can't afford this now but thanks anyway erhmagerdthisissoawkward" xP