I realize this is speculative. I don't have data, and I'm a very data-driven kind of person. But we have never tested this. I think you will see, if it was approved, that the acceptance companies would be working side by side with the banks. Some will go through the acceptance company: the Honda acceptance company, GMAC, and so forth. Some will go through the bank. Some like going with banks; some like dealing with acceptance companies. It's about consumer choice in the marketplace.
On March 24th, 2009. See this statement in context.