The 7-year car loan is creating a lost generation of buyers. To solve today's affordability crisis, we've made longer loans the standard. The average term is already brushing 70 months for new and used cars. A quarter of all finance deals are now 84 months or longer. While it helps F&I close deals today, it systematically delays the replacement cycle for tomorrow. Customers build equity far too slowly. Many don't build it at all. Edmunds found that 31% of trade-ins are already underwater, the highest since 2021. The average amount is a staggering $7,813. When a customer is that far buried, they can't trade out. They can't buy their next car from you. They become a dead-end in the service drive, unable to trade up into a new vehicle with a warranty. We are burning our future seed corn to make this quarter's numbers. As dealer principals and GMs, we have to recognize this shift. We are solving a short-term payment problem by creating a long-term equity and retention problem. What...