Challenge Mode—decided to push the limit on an offer. Offered it my 1,2,4,5,&6 (had already traded my 3) with 4 star quality players (2b, cf, 2 SP) retaining 100% of salaries for the #1 pick overall.
"This is the worst offer..." Blah, blah, blah. Seems to me like the AI is missing it's I. I guess when you go 57-105 and are flat broke, you know the game well. I went 92-70. WTH do I know?

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Actually, I'm enjoying the heck out of challenge mode...but some days I just have to shake my head.