Both of those schemes look great, but I like the second one a little more. I know how hard it is to get a plane and you really are lucky that everyone has chipped in for you. A 37% is a dream for me, hell even a 50cc is a dream for me so know that you're very lucky that you're getting the 37%. I'm sure if you dream long enough, you will get another 40%er.
Good luck!
