Hope you are having a wonderful day.

I really enjoyed the article.

It was very informative, but I would say that for me, given my current situation, no payments for 12 months would be a great benefit even if it meant not having an equity position at trade-in time.

My goal ideally, which is how most consumers think in terms of wishful thinking (smile), would be that in 12 months everything would be different and I would be able to ideally make additional payments to be better positioned come trade-in time.

I do not have any criticisms of the article beyond, each person should evaluate their situation and try to make the best decision possible after doing some research and understanding the potential pros and cons for that given decision.

Have a wonderful day.

Mark