I know as an insurance company I wouldn't do it for $20 a month. They loan too much money to people that have no business borrowing $10-20k on a toy. They end up with a crazy high note for years on a toy that they either break or get tired of and can't get what they owe on it out of it. A fire, wreck, or stolen and they're out of it. The auctions consistently have burnt SxS I just can't see it happening that much normally.