12 million will give you a very fuzzy outlook. Each rating could be off by as many as 20-30 points. Also, all IFA's no longer ask for big money. In the past, if An IFA was asking for $4-6 million, it was easy to predict they were going to be good. Now, scouting is more important.
The options, seem to be, get IFA scouting up to $20 million or keep it low with every IFA being a lottery ticket.