Good news for those looking to buy a truck. Better news from a cash flow perspective. Here’s what I mean: The average truck that we financed last year was about $25,000. Today that average is down to $14,000. Both trucks do the same thing but the cost to finance them is almost half what it was last year. This is important in today’s trucking economy where loads are not as steady and pay is not what it was last year. What is interesting is the customers are coming to us with these cheaper trucks. We are not approving them for less. This tells me truckers are smart business people. They are aware of the current economy and are being conservative in what they get into. They are also smart enough to take advantage of the glut of trucks on the market and the subsequent drop in prices. Commercial truck financing is based on cash flow and a cheaper truck allows a driver to service the contracts he has while staying lean on the payment. I see this trend continuing for the foreseeable future.