I second the thanks, and for my own part I would observe that Kevin is not just cruel, but is actually more like an evil genius:)
Let me strike while the iron is hot and get in the two other questions which have occurred to me. First, since Finn Edwards starts with a bank loan, he also starts with the $10, making his actual starting cash $18, correct?
Second, I have a question on Lloigor movement: it says all Investigators in adjacent street areas or locations lost 1 Sanity and 1 Stamina. I see how this works if the lloigor is in a street area, but what if it's in a location? Then does only the street area leading to that location and the other locations in that neighborhood count as adjacent?
Finn has already taken out the loan. The extra money is represented in his stats and starting items, etc.
As for Lloigor, adjacent just means directly connected to that location/street space by a movement line. So, if a lloigor is in a location, it only hits the street it's next to (as well as its own location, of course). It won't always be a big deal, but sometimes it will be nasty. Of course, even if its ability isn't hitting a lot, it still makes a nasty stationary critter, since it will often be sitting on a gate.