We just got screwed on a couple lay-away deals the other day. Customer came in and bought two '03 bikes, put down $100 on each, and about $200 in accessories on each, a lot of which was '03 stuff... fast forward to 6-8 months later, the customer calls and says he is going to have to cancel his lay-away! So we kept $50 on each bike, but now we are stuck with two '03 bikes in '05 that we can no longer ask full price on, and a boatload of '03 accessories that we can't sell. So I can see how lay-away can be a losing proposition for a shop.