It’s unconstitutional. I won’t pretend that’s where the majority of the opposition comes from, but the CFPB isn’t accountable to anyone and can create their own regulations. That’s not to say none of them, or even most of them aren’t good ideas. But, it’s still not the best vehicle for creating/enforcing them.

I’m not so sure about that. It feels like we’ve been saying LeBron has played more minutes than Larry Bird for years now. Additionally, the Spurs squeezed more life out of their stars than I think they would have otherwise.

Doc fees are regulated by the government. That’s the easy answer.

Nah. You can always negotiate it out of the selling price but the doc fee is pretty much always going to be there. In my experience, the dealer can’t pick and choose who to charge.

Eh. Given how well it held up the counterargument that your child is safer in the event they come across one of these idiots out of bad luck isn’t invalid.

I didn’t see the second comment. Scrolling through this on my phone makes the thread harder to follow. My bad. Carry on.

It’s not exactly the same. Car loans, while sometimes high interest loans, are not variable rate loans, don’t have interest only periods and generally don’t have balloon payments. Also, there are more options for getting out of a car payment you can’t afford than a mortgage payment you can’t afford, some of which Tom…

So, I’ve decided that LeBron is the best basketball player ever and that Michael Jordan is the greatest. In the same way that Peyton Manning might be a better quarterback than Tom Brady, but he isn’t as great (I don’t really follow football but when I developed this theory my friend used that comparison so I’m going…

That’s a huge part. I do a lot of PCA stuff and the knowledge that the person driving has a to drive the car home and is generally familiar with the vehicle is huge. Also, at a lot of those events you run with people you know. It’s easier to hold people accountable when you see them for more than one afternoon.

So I’m a Cavs fan and I agree with you. I also agreed with you when Rose banked in a three in Game 3 of the second round 2 years ago. But, I feel we’re in the minority on this (I remember being pissed we lost a playoff game on a fluke and everyone was still talking about Rose’s great shot). I’ve also decided that it’s…

Kevin Harlan is supremely underrated.

My family lives in Cleveland and, the one time we spoke about it, they characterized the mood as “nobody really gives a fuck.”

This could suggest the college teams actually benefit as they only have short term goals. If it hurts in the long run but gets their players through a few seasons at 90% that supports their business model.

I worked in Akron where I knew there was one only because I passed the sign on route 8, not because I knew of anyone ever actually going, and lived in Lyndhurst and never knew the one there existed. I think it’s still acceptable to say that it’s not a Cleveland thing.

That’s a shit analogy.

Because almost every scenario did favor Clinton winning. We just ended up with one of the scenarios where she didn’t.

When I see Shumpert play I always wish we could have given Dellavedova his money. I think that pretty much says it.

Kaepernick- who at one point this season had the most popular jersey in the league - is the only backup QB anybody would conceivably support with a bumper sticker. That’s assuming you accept the premise that someone would support any individual player with a bumper sticker.

Nobody actually wants that experience though. There are dealers that have tried “no haggle” pricing and they’ve all sold fewer cars and made less money. It didn’t work out particularly well for Saturn or Scion either. Auto dealers in general aren’t really making a ton of money these days. There’s a reason all of these…

Browns dropped to 0-12, not 0-11. By one metric, this puts their chances of an 0-16 season at 43%.