Thank you for that article, it is brief, to the point and easy to understand. I will try giving that to people in the future.

Yeah, I tend to like that response, sometimes it works but people seem to think it would never happen here…

Worth a try, I suppose.

Hah, fair enough, most people don’t seem to understand that it is so close to that though.

Yeah, that is the most common response I get. Not quite sure what the best approach to deal with that is.

That was definitely my experience buying a car a few months ago. My car was totaled so I had to buy a replacement unexpectedly. I was seeing used cars with 30,000-50,000 miles selling for more than MSRP and new cars were very hard to find. I ended up buying a new car that was less expensive than the used cars I was looking at and ended up getting a much lower APR due to the fact that it was a new car.