Krazy.....I now see the error of my ways. Luckily last night in the mail I recieved a sign. Ford sent me their magazine advertising low intrest rates on the Super Duty. I am going to use some of what I learned here to get to a "higher" level. First I'm going to the dealership and buy a new 1 ton and finance that baby for 7 years. I'm not worried about the cost, just buying the paymment...which comes into play later. Remember I'll have better fuel savings. Next I'll proceed straight to the local boat dealership and purchase a new flat boat with a four stroke.(fuel savings) I'll slap a 10 year note on that baby and use my fuel savings from the truck, coupled with the money saved from the lower 7 year note to pay for that. I mean I'm gonna keep the boat for 10 years, right??? Then I'll load up my gear in the boat(whatever isn't in - lay away) and head to work or gathering and get even better savings by pulling a load every where I go, and brag about how bright I am. Does this sound any better??? B.