Hey Mat Thanks for not attacking me for what I said.. Also, you are definitely not an old codger. I’m 70 next week and I think I’m “starting” to feel old. You are absolutely correct where you say irresponsible to buy a toy if can’t pay cash BUT that’s just not how our society works. We are way to irresponsible as a whole but that’s what makes things work in the retail sales world. Worked in that place for over 50 years. If everyone your “young” age thought and acted like that, the economy would likely collapse. The motor sports dealers, RV/trailer dealers, marine dealers, etc. etc. would lose probably more than half their business. Imagine if all financing ended tonite for “toys” which could be “every nonessential” like a big screen TV and on and on. Tomorrow would be bad! Anyway, good for you for the financial position your in but you “are” the exception I feel.