Marni - +100 on what Kubla said. Also you might want to check to see if one of your LBS will do layaway - that is how i am getting my Gunnar. I do know how how common a practice this is, but it is a nice thing to take advantage of. Parts are more expensive than I realized, so it will take me about a month longer than I anticipated to pay the Gunnar off - but they will allow me to come and visit my bike when it is complete and take it for spins in the neighborhood. Anyway, it is worth looking into as a possible option. I do like this much better than yet another credit account or waiting until I've saved everything (it seems that emergencies always come when I try to save for a specific item).