There are four of you so that's a tough call if you should go for a riskier pick knowing you have your rebuy or try to secure the 20% of the prize pool. I really didn't expect four players to potentially get beyond the rebuy deadline without using it. The past two years we had everyone use their rebuy by week 8. Next year I think I will adjust it so that if multiple players get through the rebuy deadline it doesn't roll into the final pot but they just split the 20% prize.