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I haven't read the whole thread, so apologies in advance is this is redundant -- and honestly, it's mostly Alex's idea anyway, but...

What if dealers and consumers used the same tools -- and knew it?  The same search, the same trade appraisal tools -- the same Pencil tool.

There's something to be said for (so-called) "empowering" consumers -- they search and appraise and figure their own payments already -- what if we gave them better tools, and they see the Agents/Managers using the same tools in the store?

Seems that scenario would add a layer of transparency...