Several years ago when I was living in Yorba Linda California I went to a car store called Dayons House of Cobra's. They had several built kit car Cobra's. They had a nice red one with a small block Ford that they were asking 25,000 for. Knowing I really wanted one my wife suggested we take a home equity loan and get the cash for the car. After some thought I decided it was not the adult thing to do. My daughter finished high school and then to a 4 years private college followed by 3 years of law school. Still helping to pay that off. No Cobra for Ray ! But I have a bunch of little ones !