Thank you for your feedback. We really appreciate your opinion on our process so we can look to make ourselves better. We have a great relationship with all of our Financial Institutions, especially Rogue, and always want to get our customers a competitve rate. Being a subsidiary of Rogue we have a contractual obligation to pass along their terms. In that there must have been a miscommunication between hte Sales team and Finance Department. This is why we appreciate your feedback. We can now go back and look at our process and become more proficent in how we handle our customer's needs and concerns.