The retail battlefront in the new millennium seems to be special finance or sub-prime. And the rules for selling to the ever-increasing number of customers who find themselves credit-challenged are changing. In the old days, special finance sounded like nothing more than lenders swapping an interest rate boost for a credit score risk. The beginnings of special finance for most of us was the realization that if we put enough good paper through a lending source, it would, in return, ...

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