Just thought I would share. By the way, we have our new car It is a white 2000 mercury sable. I love it. But suggestion is that we refinance in a year at a lower interest rate. Ours is horrible but they only used Jim's credit not mine since I don't have any income. I plan on getting a PT job and then refinancing it under my name to see if I can get it down to at least 11.5 % or something like that.