and Chub, as far as how a mom and pop make it?
Have you ever considered the overhead in brand name dealership? One of the main the reasons the brand name dealerships are claiming they not making it [like the gold mine this industry should be], is because they haven't wanted to draw line and look at "production vs non-production" personnel, for fear of what they see in the mirror.

it's 'pick on Chublil day', in case you didn't get the memo.