I work in the auto finance industry. I totally understand your point of view. There are a lot of games the dealers play to make a profit on each vehicle they sell. It can be really trying on the customer.

I would love to disrupt this auto dealership industry. Tesla business model is compelling but I don't think it needs to be manufacturer driven. I think there is still a place for dealerships but their business model can be upended. Some guys working on this is AutoFi and Carvana. I think there are ideas out there. I would love to be a part of that.