Credit availability just hit a four-year high according to the April numbers. Everyone in the industry will celebrate that headline. Nobody wants to talk about what is underneath it. Average new vehicle payment is $773 a month now. Nearly one in five buyers is committing to over a thousand dollars a month. And 84-month loans are at an all-time high, over 22 percent of all financed new purchases. From where I sit in F&I, these customers are already stretched before they get to my desk. I am not adding margin to their stress, I am adding products to a payment stack they can barely hold. The music has not stopped yet but the chairs are getting harder to find.