I think one of the areas of growth for F&I is selling extended warranties and service contracts. The idea that if you can sell a service contract, the customer is far more likely to come back to service their vehicle and you know as well as I do that the customer that comes back for service time and time again is it what drives a dealers profitability.
I agree with Derrick. Service contracts are key!
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If you were to look at your back-end PVR, what would you look at as your largest growth engine? In other words, which of your products and services do you think has the biggest opportunity to increase?