I have been in F&I for fourteen years. I am good at it. I have made real money doing it. And I want to be honest about something that nobody in this role says in a professional setting. A significant portion of what we do is structured to extract maximum revenue from people who do not fully understand what they are signing. The four-square is designed to obscure the total cost. The payment focus is designed to move attention away from the total cost. The product menu is presented in a sequence designed to normalize each addition after the last one. I did not design these systems. I was trained on them. They work. They are also, for a meaningful percentage of our customers, genuinely harmful. The customer who stretches to a 72-month loan and adds a GAP product and a service contract and a paint protection package on a car they can barely afford is not walking out better off because I did my job well. The FTC has been trying to address this for years and the industry has fought every attempt tooth and nail including through NADA lobbying. I am not saying I am leaving the business. I am saying that the people who act like F&I reform is an attack on honest professionals are not being fully honest about what the business actually does at the margin.