Well, the government is going to press them for higher emissions standards and better mileage. Which I think is good. But they will pass that cost along, as with any business. Also, there will be pressure to make up the loan money as quick as possible. I can see the manufactures changing their 7 year loans to 8 or even 9 years to lower monthly payments while being able to increase prices like they did a decade ago by changing for 5 years to 7. Just my opinion.