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Nothing wrong with a long post, you have nothing to apologise for.
I would say the shop will help you with the change over but I'm only guessing.
Your dad is on to it CK.
My rule of thumb is that if I can't afford cash for it, I can't afford it. The obvious exception is borrowing for a house, and possibly a business if you're that way inclined...
It took me a few years to learn that but its the way to go. Payments on toys suck.
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