They may be a little slow for new models, ... (Chrysler) may still be pipeline filling, building up dealer inventories for Concorde. They have a lot of hopes pinned on those cars.

My opinion is there's still a lot of upside for Toyota, ... They're expanding capacity, still introducing models (in market segments) where they haven't been. They've got a technological lead in (fuel efficient) hybrids. They're aggressively expanding here still.

There are still lean inventories in a lot of the hot markets and that's why I have a lot of confidence that these balloons won't burst. They're balloons, not bubbles.

filling in gaps of the story.

No models are perfect but all models just need to be good enough to improve the decisions we make.

Then they're not only paying off this car but the last car. The dealer will assist them in finding out how to do that. If they do that enough they could be paying for several cars at once. The payments may seem lower, but something has to give at some point.