Wow! I'm really glad that I joined this forum. You guys have already given me so much to take into consideration. I will plan on looking for a place to move to that will be close to a dealership. Btw, what is a PPI? As far as stretching to buy one, I learned a lot when I sold cars- I know the right and wrong ways to buy a car. Though I wouldn't be against any buying tips for Lambos.