[Sopure]

I think the government is thinking that by cutting the amortization period, it'll have a quicker effect on real estate prices. I don't know how long it would take for lower oil prices to have an effect on the real estate market, but I would imagine it would take longer-- and oil might go back up. Who knows?

I work with Pylon and some of the stuff I see is truly outrageous, so I agree with you there. Not that I'm Captain Morals or anything, but there's been situations where I tell people they're nuts. Typically if they're trading a vehicle in that they bought that same year and put it on an 84 month finance or something. Quite often times they've rolled negative equity from the last vehicle into that loan too.

I had one girl (who is a friend of mine) -- she wanted a new vehicle so bad, had abysmal credit, and would have been married to the vehicle forever. I told her not to do it, and next time I saw her, she had a brand new Ford F-150 FX4. I facepalmed on the inside, but just smiled and nodded and congratulated her. I'm gradually learning that people will do whatever the hell they want, regardless of those who tell them otherwise.