It seems items are more affordable than at other places, but still too high. I understand that the credit ratings of most your customers demand a higher mark-up, but some items (electronics) still seem too expensive. Maybe customers with good payment histories should get price breaks on their next purchase. If I pay for something in full, with no late payments, aren't I less of a risk next time? I'm almost done paying for the computer I'm using right now, and will most likely buy my wife a washer and dryer next. I just wish I didn't have to pay such a mark-up with such a good past payment history. Some price incentives for future purchases would show me that I truly am a valued customer. Thanks for listening.