I wonder how the housing bust and lack of "house money" will effect the audio industry. My guess is that slowdowns in housing may limit extras like high end audio. I'm a bit younger than the typical audiophiles I've met but have been into audio for a while now. I've built an ok system (Edge Cd player, Classe Pre amp, Cary amp, VD master cables and Talon speakers) and have built it with almost always cash. Sometimes I've used a card but not often. I think a cash out housing slump may effect the other people who tend to use credit more liberally than I. This in turn will effect audio companies. I have a feeling there are many people like the poster above who will be hit. Maybe there will be a few more deals on Agon? Oh, I have a motorcycle too and love it (it was financed but was paid off early).