I still like #119 better, I like how the clock looks and the hands, so try again to put the letters in the circles, leaving the c where you put it in #144, but bring the o down and the e right after the c. Also, make the e lower case, not upper case (E.) Also, I like the letters to be white, but make the dots all blue, as in #119. I don't care for the hands of the clock in #144 either, really like how they look in #119.
Finally, in the color change to the blue, make Opportunity Cost to still be black as in #115, and the letters o and c to be in black, just change the green color to blue.
Hope this all makes sense!