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Dealers debate the optimal timing and approach for introducing F&I services to internet leads, with most agreeing that mentioning financing too early in initial contact discourages showroom visits. The consensus centers on a tension between profitability (getting F&I involved early) and customer experience (focusing first on vehicle interest to secure appointments), with some dealers advocating for dedicated F&I personnel to handle online customers while others argue financing discussions should only occur after the customer is engaged or requests information.