If you don't mind, I would like to ask you something. Here goes: What is your credit like to have put up with a 24%, if I read it right, from Ford credit. The reason I ask is that Shyguy, myself and others on the board here have gotten favorable loan rates to buy or lease a Ford vehicle. All of us had something in common. We each had a BK. Ford makes known that they will provide prime credit rates to people who have BK'd. On the other hand, I have heard that Ford is just as unfriendly to people with other credit problems (repos, chargeoffs etc.) as the other auto finance companies.