Oh Baloney! These guys are shysters to the highest degree. These are unethical lending standards, a predatory lending practices. Not to mention false advertising. I wont even get into failure to issues 1099's. And my bet is that this is just the beginning. "The lexus dealer is not a crook because he doesn't sell used 79 ford wagons." No. But the Lexus dealer that sells you a Lexus and then replaces all the parts in the vehicle with parts from a 79 wagon is. As to my populist crap, try the ignore button, its working great for me. ;-)