Not sure that I'm following the difference between "Credit Report" and "Credit Score". Isn't the "score" just a calculation based off of things on the "report"?

I would offer additional suggestions, but since your comment indicated that "it's my way or it's babying them" then it's pretty clear that you've already dismissed any alternative options.

There's a difference in simply pointing out the logic and trying to get someone to understand it and change their behavior based on it. Doing X then Y then Z might be the logical thing to do. But in the end the true underlying cause of the financial hardship might be something other than "math". Ignoring those…

Actually, the only thing I can find fault in my argument is that I'm trying to use facts and common sense to someone who doesn't understand either the concept of logic or the definition of words.

It's interesting to see that NorCal went with the Primry, whereas SoCal is staunchly Priuma.

This is based on 2012 "NEW" car sales. How about one with actual registration numbers.

Ford likes to lump their 450 (and up) in their "F Series". Whereas a Chevy 4500 falls under the Kodiak moniker.

dafuq?!? Hydrogen Bomb ≠ Nuclear Warhead

So is that a cat in a hoodie or a fox in a hoodie?

Seriously, no mentions of this yet?

Let's skip to the good points

Yes. I can say that this works very well.

Don't forget that you could change the "gearing" electronically... so you could theoretically just flip a switch to "race" mode, or whatever you wanted.

Shitty low bandwidth ISP here, PS3 and laptop load it just fine though. Even with traffic from other devices.

You are arguing "pure math" solutions to problems that were caused by things other than "pure math". Debt can be acquired in a number of ways, not the least of which is anxiety leading to confusion leading to a few missed bills.

That word, I do not think it means what you think it means. Here's a couple examples for you:

Maybe, but with a handful of trim levels and tons of mechanical options available from the factory... I'm not sure the term "standard" would ever be appropriate.

Mayhaps you've never heard of the mythical Z71 Suburban then. Does this count as a "standard" suburban being that this is a factory model?

You had an excellent point... right up until you brought up the USSR.

Depends on two things:
1) What model year are we talking about?
2) WTF is a "standard" Suburban?