In 2019, Bill’s employer unexpectedly declared bankruptcy and he was laid off. Although he is entitled to a substantial severance (approx $75,000), he will not receive any amounts until all of the bankruptcy proceedings are finished. Earlier in the year, Bill and his family moved into their “dream home” which required them to use their “emergency fund” and all liquid investments for the down payment and they now carry the maximum mortgage permitted by the bank. Although Bill is confident that he can find other work, he expects it will take up to 3 months and he will require $10,000 to cover monthly expenses. Bill has a RPP balance of $150,000, a RRSP balance of $10,000, a GIC of $10,000 that matures in 2015 although it can be withdrawn early with a penalty of 5%, and non-registered securities in a public company with a FMV of $10,000 (ACB = $18,000). Considering taxes and cash management, what is the most effective way to finance the cash needs in the interim period?