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Finster, I would think w/your thought there that the dealer is assured that you bring your motor back to them for work and then everything is a write off to the business. There is at least a 50% markup in the cost of the insurance and also the parts, also write off on labor, so the dealer saves that and all together they lower thier year end profit margin that they have to pay taxes on. Seems like a bother for a few $$s, but that is they way millionaires are made, penny at time [img]/images/graemlins/tongue.gif[/img]