We talk finance and other curiosities with Sviatoslav Rosov PhD, CFA, Analyst. Beginning with Henry Ford’s “Old Fashioned Layaway Plan” followed by the launch of General Motors Acceptance Corporation, the Certified Pre-Owned sleight of hand and today’s auto sales finance and reporting controversies all shaped the industry. Finance is one of many vectors which tie the system together into what its is. We once again explore the other vectors that might open disruptive opportunities for an entrant. Wide ranging discussion touching all the big points ultimately asking whether Big Bang change is coming. Or will it the big whimper? We once again explore vectors that might open disruptive opportunities for an entrant.