Of course, if you ask how I'll pay, I'll tell you, but either way I presume you are compensating yourself for your overhead or you would not agree to the negotiated price. I told the dealer at the cadillac place up front how I was paying and why. It was a cash deal either way in my mind because I'll pay the cc as soon as I get the bill. I just wanted the skymiles. Skymiles or convenience, either way that's why you are making the sale, and I still won't pay extra for it...Geo