To clarify for you newbies or deal hunters, NEVER discuss rates...read the adds read reviews and have the exact amount cash ready when you walk in. YOU HAVE A GREATER CHANCE at a deal once you become know as a true Gentleman. I had a lovely well established provider tell me today she would give me a deal the next time, I politely said thanks you don’t need to do that your a great deal now.......if you don’t think providers your wrong.