Okay, are you ready to answer Sean's question next?

Okay, are you ready to answer Sean's question?

Oh, yeah, we're answering questions.

Sean.

Hey, tell me this. Does Sean spell it because I don't see it is it

S. E. A. In or is he spell it the first way? S A A W. There's a lot of ways to spell

Sean. S. E. A. N Okay. Okay. Well Sean says, hi, in regards to the 23-8 rule, how did you

end up at the 8% number?

I can understand that the 20% down in the three years

help mitigate depreciation on the car

and time out of the market,

but I'm curious how you landed on the 8%.

Would you like to explain yourselves?

Let me think through.

All right, so I'm trying to go back,

because there are a lot of rules of thumb out there.

And you can go like Google, like car buying rules of thumb,

and you'll get a bunch of different answers

from a bunch of different people.

For all the rules that we design and all the things that we come up with try to help you,

what we try to do is take a rule of thumb or a commonality or something that's like general

guidance.

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