I think it's great that people can afford to pay upfront for their toys, but that doesn't mean people who can't afford to pay for them upfront shouldn't have them either. That's why they have loans, if they didn't this country would be in rough shape, and let's face it, a lot of loans are for pleasure. My mom and dad took out their first loan which was a 90 day note for a 8 track player! LOL! To each their own I guess. I see a lot of people who come through my door that write checks, and then I see others that can't do that and more often than not they appreciate that toy more and spend more time on it. Just sayin... Enjoy! Another storm is coming!