[howzit]

you (stock owner) need to buy lots more shares at $20.
this will cost-average you down.
by my calcs, buying 300 shares at $20 will give you $40/avg price per share.

then she will have broken even with the man in the top coat. no risk!

PS: if she wanted to make more money, she should buy all shares available at $20. then when the shares go back to the original $100 stock price that she got in at, she will have made 5x as much!