our bank in green bay won't loan 20 years on boats or rv's. I chalk that up to the conservative midwest thought process but they only do 15 year max and it's not a true 15. 15 amortized out with a 5 year balloon. limits their risk in being stuck in long term loans and increases their member profits if interest rises. they push 12 year loans hard for large purchases as those are fixed. we like them as their interest rates are usually one of the lowest and how many REALLY keep boats more than 5 years but it does come with risk if you do keep long term. goes back to larrys comment on leasing.

I think msg is right in that rising prices have allowed all the new tech but this rate of increase is not sustainable over the long haul and my gut says innovation will slow in the next year as the economy as a whole blows up. there's a GLUT of rentals/houses out there that are waiting for the gov't to open up foreclosures again and if you think all this stimulus money isn't going to come due on taxes at some point... that will impact the toy market especially mb/axis/moomba/atx.

I think spring will still see strong sales as there are a ton of deposits out there for boats coming but my gut says market slows early summer.
couple dealers I watch regularly went from virtually no inventory in july when we shopped to over a dozen used units each with several showing price reductions. both dealers are tige/skiers dealers.