If you don't know Tony Noland & Associates, you need to. This man is a true professor and student of the business! If you have never heard of him or read his articles in Ward's Dealer Magazine I would highly suggest that you get more famailiarized with this gentleman. When it comes to the numbers...there is no one better to come to! If you need help, which many do, my suggestion is to contact Tony! This is the only person I suggest!