I won't beat you up, because I think you are already doing it to yourself...OUCH!!! :spank:Don't beat me up on this but I got screwed when I got my FZ6R. I wanted it so bad and only GE Money Bank would finance me at 15% interest. I paid $7,200 OTD and make a $176.00 payment a month for 5 years. I have been sending $400.00 a month so I can pay it off quicker. Oh forgot to mention it I added the 5 year warranty with it from Yamaha.