To further elaborate. I purchased the GTO by putting up $100 down payment and the local bank -Valley State Bank of Kansas loaned me the rest without a parent's co-signature. I was 16 at the time. That would be impossible today. Then at 17 they loaned me the money to purchase a brand new 1973 Ford Capri without a parent's co-signature. That was a piece of crap car. Traded it in on a new1975 Ford pickup, with a straight six -three on the column. Another piece of crap. Never purchased another new vehicle until 1999.