I certify that the need indicated in Section A is true, that the amount I have requested does not exceed the amount of this need plus taxes and penalties, and that I cannot reasonably relieve the amount of the need 1.) through reimbursement or compensation by insurance or otherwise; 2.) by liquidation of my assets (including the assets of my spouse and minor children), to the extent such liquidation itself would not itself cause an immediate and heavy financial need); 3.) by stopping my elective contributions to the plan; or 4.) by taking withdrawals and/or nontaxable loans maintained by my employer and any other company, or by borrowing from commercial sources on reasonable commercial terms.