Shelley is making a pool for betting on your IMFL finisher's time on her blog. $5 per bet, closest finisher to their predicted time wins!
I'm going to say 15:59:59 as my best guess. I'd be very happy with that. Plus it gives me an hour cushion before the cutoff, in case things go badly wrong out there on the course.
I think on a perfect day I can go faster than that, but I'm not sure that I will push myself that hard. Hey, why hurry through my first IM, right??
If I'm faster, I'll be quite happy to lose the bet. :-)