Dan - you are right. Fortunately I now don't have to worry about it. Since the loan wouldn't go thru for a 11 year old vehicle we couldn't get it. On a possitive note, a 2003 model I originally wanted became available, it has stock wheels and 15k less miles coming in at 25,800. The car is a steal at 10k, and has a 6 speed sequential shifter manual tranny, so all and all much better, and cleaner, not to mention safer! It has been a real lesson in learning about mods to a new vehicle though. I thank you for your help and input. Steve.