You should also consider the Material Handling group at CitiCapital. Greater Bay has recently been sold to Wells Fargo Bank. There is a strong likelihood that their lift truck portfolio will be sold. While it's true that you can earn Omaha steaks, I'd rather have CASH myself. Greater Bay's document fee is $100 vs. CitiCapital's $50.00. If your customer is okay with the $100 doc fee, why don't you take the other $50 as additional income by using CitiCapital? Also, Greater Bay has very stringent end of lease notification requirements. If you customer misses the window, they can get whacked with up to four additional payments. That's how they pay for those steaks! Over time, I have found CitiCapital to have the most consistent and realistic residuals. You need to have this kind of advantage to win the bulk of the sales today.