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Uncle Joe, you are correct. Ironically, one of the deals I'd mentioned began when a customer was at a nearby Hyundai store for 2 hours trying to obtain financing. She was browsing other sites on her phone, shot me a text, and is now MY customer. It usually works the other way around, due to the current subprime climate, but I will fight the big guys head on. I only need to beat them a few times a month