[torradan]

Well spent about an hour with the guy.

I'm keeping my car, and changing from a lease to a loan.

We compared an 03 vs. mine (who knows how much fiddling he did with numbers, but after an hour I was worn down), and its cheaper to take the route above.

Calling ford credit monday to get it switched.

I thought about your ideas, but I don't have the cash for another car, and insurance to boot. And a motorcycle is out of the question, as per the boss.

So all is right in the world, except I'm still driving an automatic. But that can be fixed once I gather up the testicular fortitude to tackle that job.