We argue that an extension of the minimal supersymmetric standard mode
l (MSSM) that gives rise to viable thermal inflation, and so does not
suffer from a Polonyi or moduli problem, should contain right-handed n
eutrinos which acquire their masses due to the vacuum expectation valu
e of the flaton that drives thermal inflation. This strongly disfavors
SO(10) grand unified theories. The mu term of the MSSM should also ar
ise due to the VEV of the flaton. With the extra assumption that m(L)(
2) - m(Hu)(2)<0, but, of course, m(L)(2) - m(Hu)(2) + \mu\(2)>0, we sh
ow that a complicated Affleck-Dine-type baryogenesis employing an LH(u
) D-flat direction can naturally generate the baryon asymmetry of the
Universe.