I can't remember the last time I did. Oh, yes, it was 30 years ago.

And if one does, don't let the salesman get to talking about how much per month it will be. Stick with the total cost.

"How much can you afford per month? $410? Perfect. We can just move this Immaculata Perfection four wheel drive with 3.6 liter engine and the 7-speed OilOMatic transmission with overdrive for the overdrive and the upgraded front carpet from 36 months to 60 months and we have money so spare!!!

"Would you like to add the rear seat DVD players with wireless headphones to keep the kiddies entertained on those long trips down the freeway to the grocery store? We can do that, and still keep it under $440 per month. A slight increase, I realize it, but what is your peace of mind worth? Etc."