Robert
You have a habit of perceiving negativity when there isn't any. None of my posts have said not to use Lynskey's offer, not have Merlin's, nor have any. They all just say understand what you are doing. There were some absolute statements about "never finance a toy", which elicited nice responses from John J., but it all just seemed to be people discussing pros and cons.

Then you ride in and declare it negative. You have done this in other threads as well, and it is odd.

Regards
Roll