Spirited News, Observations & Thoughts IV

[marni1971]

In this day and age I don't understand why people use travelers checks. Sooooo annoying on both ends, when I worked at the grocery store you had to give people the 5th degree.

That's the way they roll. 5 days at Disney. Two at Uni IOA. A Seaworld, some 192 motel pool days and a day or two at the outlets.

 

[AEfx]

Yeah, MK isn't the problem, never really has been for WDW, it's the DAK and DHS problem. FLE was just a way to spread crowds out and claw back a little bit of the ride capacities the park had 20 years ago, while also saying "look, we actually do have something new, if you like several decade old movies!"

In defense of FLE, it was sorely needed...our Fantasyland had very little Fantasy about it. And while I wish they had spent even more on a real E-ticket or two for it, overall - it was placemaking that was sorely lacking at WDW. Once the hill in the middle is complete and we aren't looking at construction walls anymore (my God, I just realized - they have not been down in that area completely yet this decade...) I think it's going to make a massive difference in park flow. As much as Fantasyland was my favorite "land" - I never spent time there except to queue up for an attraction. I always drifted toward Liberty Square and Frontierland because they actually had atmosphere and places to just sit and enjoy Disney.

It needed to be done, I don't think the money would have been any better spent anywhere else, even if it is a lot of "fluff", but they just needed to supplement it with a real knock-em, sock-em headliner attraction.

Sounds like WDW is going to end up like Pressler/Harris era Disneyland. It's not gonna end pretty.

But...but...Pressler/Harris didn't have fancy electronic bracelets! These things are gonna revolutionize WDW! People are going to be dropping money like it's hot, and so excited about not carrying paper fastpasses that what's a few broken bones or even a loss of life due to maintenance - so long as that guest has one of these magical bracelets, hey - at least they will pass on with a smile on their face because they are so super jazzed about paying for their drink by swiping their magic bracelet five minutes before and not having to reach for the room key!

Take that Harry Potter! Our Magic Bracelet will trounce your Magic Wand!

A lot of visitors I know still use travellers cheques, let alone any form of card or jewellery.

And perhaps one in ten stay on property. It's too expensive for a family of four from the UK to even contemplate staying at a WDW resort. But they know how to use the fast pass system and expect to, in the same way, in the future.

In all seriousness, that is again what is so troubling about this - and why it is ultimately ineffective. The percentage of guests who will actually be entitled to use these, let alone choose to, is hardly going to be the majority.

And, in the end, even if it all does work out perfectly as put forth - and it interacts with attractions, Mickey can say your name now, etc. (because it's not creepy at all for a mouse to know your name before you tell him, instead of asking "Hi, I'm Mickey, what's your name?") - the only effect it's going to have is further divide the Disney experience where only a select group gets these benefits. Which is all well and good - hey, you get what you pay for - but I rarely stay on site myself (better, cheaper accommodations elsewhere, and I find the Disney transport system crap for my needs - always takes less time driving myself), and I don't think my choice, or any other families choice, is going to change because of this bracelet.

That's the crux of it - every bit of this Next Gen thing that touches you as a guest and provides enhanced fastpass or payment options or, even, the mentioned but yet to materialize interaction with attractions, is entirely revolving around that bracelet. That bracelet that only a portion of people will ever have, or care to have - making this the crowning semi-polished turd of the Disney Mom era. The one possibly beneficial thing for everyone here is that perhaps when their metrics don't show all this big spending that they projected, the Disney Mom era will end and they will start doing market research on the actual traveling public, not just with the subset of a subset of those who make Disney a lifestyle choice and drink the Kool-Aid that makes your brain disappear at the same time.

 

[SirLink]

A lot of visitors I know still use travellers cheques, let alone any form of card or jewellery.

And perhaps one in ten stay on property. It's too expensive for a family of four from the UK to even contemplate staying at a WDW resort. But they know how to use the fast pass system and expect to, in the same way, in the future.

They do want more travellers to use the traveller cheque cards though. It is cheaper for holiday package deals but more families are doing the package deals themselves in order to get better discount on certain rooms.

Joke time: What do you get when The Disney Travel Company explains how NGE is a "Queue-less Queue" to an Ad agency? A lot of belly laughs, sniggers and snorts.

 

[AEfx]

In this day and age I don't understand why people use travelers checks. Sooooo annoying on both ends, when I worked at the grocery store you had to give people the 5th degree.

Remember, Martin is from the UK. While Europe is actually doing much better than us with advanced payment systems (chip cards are the norm there from my understanding, not the exception they are here, and many countries have implemented a PIN system with credit cards, not just debit), that is partially because of the increased transactional awareness/vigilance that Europeans tend to have. They also don't have the same consumer financial protection laws we do (particularly when they are spending money in another country, as they would at WDW).

Outside of the US, people don't particularly like easier payment systems (most of us would think it a bother to have PIN#'s on our credit cards, but in many places people demand it). The same is true in Canada - people in Canada that don't pay their bills online often go to the bank. With their bill statement (be it credit card, utility, what have you) they walk in to their personal bank and pay the bill. They even have little bar codes on the bills so you bank can hand-scan it to get the money to the appropriate vendor, even though they have nothing to do with your bank. Of course, there are execptions in some countries - but in many countries, they don't have as much paranoia as we have about Identity Theft, etc. - but that's because they don't go storing their credit information in every device or service they use leaving them so easily exposed.

Basically, Europe in particular straddles such a funny line - on one hand, their payment technology is leaps and bounds ahead of ours, but on the other, there is a lot that is still the "old fashioned way" and that's how many people prefer to keep it. They aren't also as used to the need to pay as constantly for things - for example, in Europe, you wouldn't need to take out your wallet to charge breakfast at your hotel, because it would already be included in your nightly rate as part of your stay.

I hate to say it, because I tend to dislike most generalizations of Americans - as I am one, and often the exception, LOL - but truthfully, we are the only people that (supposedly) demand that it's too difficult to reach in our wallet or pocket and take out a credit card. But even us - I really don't think most of us care. And, let's not forget...whereas the many of folks in the US have a stack of credit cards an inch thick, in other countries people don't use credit in such ways to begin with.

 

[StageFrenzy]

Remember, Martin is from the UK. While Europe is actually doing much better than us with advanced payment systems (chip cards are the norm there from my understanding, not the exception they are here, and many countries have implemented a PIN system with credit cards, not just debit), that is partially because of the increased transactional awareness/vigilance that Europeans tend to have. They also don't have the same consumer financial protection laws we do (particularly when they are spending money in another country, as they would at WDW).

Outside of the US, people don't particularly like easier payment systems (most of us would think it a bother to have PIN#'s on our credit cards, but in many places people demand it). The same is true in Canada - people in Canada that don't pay their bills online often go to the bank. With their bill statement (be it credit card, utility, what have you) they walk in to their personal bank and pay the bill. They even have little bar codes on the bills so you bank can hand-scan it to get the money to the appropriate vendor, even though they have nothing to do with your bank. Of course, there are execptions in some countries - but in many countries, they don't have as much paranoia as we have about Identity Theft, etc. - but that's because they don't go storing their credit information in every device or service they use leaving them so easily exposed.

Basically, Europe in particular straddles such a funny line - on one hand, their payment technology is leaps and bounds ahead of ours, but on the other, there is a lot that is still the "old fashioned way" and that's how many people prefer to keep it. They aren't also as used to the need to pay as constantly for things - for example, in Europe, you wouldn't need to take out your wallet to charge breakfast at your hotel, because it would already be included in your nightly rate as part of your stay.

I hate to say it, because I tend to dislike most generalizations of Americans - as I am one, and often the exception, LOL - but truthfully, we are the only people that (supposedly) demand that it's too difficult to reach in our wallet or pocket and take out a credit card. But even us - I really don't think most of us care. And, let's not forget...whereas the many of folks in the US have a stack of credit cards an inch thick, in other countries people don't use credit in such ways to begin with.

Oh I know, I worked at a store on the beach. With Southerners, Mid westerners, Quebecois, Canadians, New Yorkers, Bostonians, Europeans and of course people from the UK. Towards the late aughts there were people still using travelers checks however the number had gone down quite a bit.

 

[Longhairbear]

Yes, your point was understood - that you believe if people suddenly have a plastic bracelet instead of a plastic card suddenly they are going to forget about the dollar value of what they are spending and run around the parks willy nilly charging up a storm because it's so much easier to swipe your wrist and not a card.



It's such a miniscule amount of effort that it saves that I (and others, it seems) don't believe it's going to make that much difference, at all. And let's not forget - it's not like all guests will have these, either.

It's a novelty. Trust me, I understand payment systems and alternate payment devices, etc. - I work in the industry. In the real world, all of this alternate payment stuff has yet to shake out even though everyone and their brother has attempted it. The only reason it is even going to begin to work at Disney is that it's a relatively closed system they are working with.

What is just as likely to happen is that people actually start watching their spending MORE because of "how easy" it is. You are talking about taking an entirely unique payment method that will actually in many cases put consumers on guard. At least a room key is something that looks like a credit card, and people are familiar with that. Sure, the first day people might ooh and ahh, simply because of the novelty factor - but they will loose any effect over time, and certainly on subsequent trips (the type of people this is designed for, the Disney Mom's Blog Brigade).

This notion that somehow people are going to increase their spending by anything measurable misses the one key - consumers (and Americans in general) are EXTREMELY suspicious of new financial devices. People are scared crapless about identity theft. Now, on these very boards I have explained to people how this device does not really open you up to any more financial privacy concerns than any other payment device, but you will never, ever convince the average person about the token system it must use, their paranoia is unmatched. Which brings me to...



The people who don't already use a KTTW charge option are the same people that will opt out of the charge option in this system, and only use it for park entry/etc.

There are many valid (and not so valid) reasons not to do so - like the fact that your protection is greatly reduced by having Disney do one big charge off at the end. You are going simply on Disney's (a private company) records on what you spent, and trusting that they will take care of any fraudulent charges. The law doesn't protect you in the same ways as if you made all those individual charges on your credit card.

But most people won't think that far into it, a lot simply will worry about "what if someone copies my bracelet" or "what if I stand too close to the register behind the person in line behind me, can I accidentally get charged", etc - which are really not going to happen, but you just can't explain that to most people.

The one overriding emotion consumers have right now over alternate payment devices is fear. I mean, look at the threads here over the past year or two about it. We tend to have more educated folk here than the average Disney consumer (or site, LOL) and yet still people didn't/don't trust it. And most of them don't feel some huge burden by having to reach into a secured pocket or other place on their person to get their card to swipe.

Basically, the only demand for this product is from Disney, based on some internal "needs", that were likely presented like...



I have no doubt that's exactly what happened. That's the same type of corporate mis-think that has brought a lot of other changes to Disney Parks. I mean, this is the same company that somehow convinced itself to build DCA in..CA, and thought that was a good idea (which is why it's now turning into DHS-West, in everything but name).





Your point seems to be that, out of the subset of Disney Park guests who will ever even get a bracelet, the further subset of those that choose to give it charging privileges is somehow going to measurably increase revenue because people are so stupid they are going to spend more by using a bracelet than a card.

The entire benefit of this new system is weighed entirely on Disney going after the folks they already have captured. That's the saddest part. It's the biggest capital investment on this coast, and for consumers the only benefits are: the super-super lazy won't have to get their charge card or room key out of their pockets to spend money on superfluous crap, they won't have to have paper fastpasses anymore, and they can book some of those fast passes months in advance - something itself that is lunacy to anyone besides Disney Park Moms, because we forget that in the real world most people don't make reservations for every meal out (or even most of them) and even in places like NYC and LA where people do make reservations the notion of booking a meal - in a THEME PARK - six months in advance is sheer insanity.

The only other benefit we have heard about would be that Mickey would know your name and be able to say it. Supposedly, I haven't actually heard that this is the case. And while yeah, that's cool and all - again, Universal has been doing it since 1990 on ET.

So that's the sum of the value to us. The rest of the value is solely in Disney's court - tracking you throughout the parks to, yet again, try to find ways to further entice you buy crap, somehow hoping that guest spending will increase because people are so stupid they will forget there is real money attached to the bracelet significantly over when they swipe a card, and to reduce staff for reservations by phone or in park by having people go online to do so.

That's your billion dollars, man. It's a whole lot of nothing. And yes, their IT infrastructure was creaky - but mostly because it was let to fester (like TDO typically lets everything go until it's too late, from maintenance on down) and because they wanted to use it for things never intended. And the entire thing is only based on a subset of guests to begin with. Most importantly, IT systems should not even be on the public's radar - they are supposed to be invisible - but since it's the only real change at WDW in forever we sit here and talk about it. The most "exciting" thing going on the past few years. It's excruciating.

So yeah, Disney is getting this for a billion dollars. That's their figure, not mine. And Universal is geting Hotgwarts Express, Gringotts, just got Transformers and a new Springfield, and who the heck knows what else coming down the pike. As a consumer, I can tell you which one attracts me more...

In the end, even if you are correct and somehow people forget all sense, and immediately trust and love this new payment system (those that actually will be entitled to use it), yay! Disney has added a few small points to the bottom line of how much crap they sell (as you say, it's not going to give some crazy number like 20%, maybe a percent or two). Exciting! And...while expensive, the "easy" way out - at least for bean counters. Milking those you are already milking for more.

The true problem is, Disney relies on "focus group" crap and picks the wrong groups to focus. I have no doubt a bunch of Disney Mom's oohhhed and ahhhed over the thought of a bracelet to manage their vacation. (How fun! Does it come in different colors? By DisneyDaughter would love fushia, and my Disney Son would love cammo! Disney Husband doesn't wear bracelets, though - can you make a pin or something else, too? OOOH! Pins! Can you make a special pin at each park for bracelet holders only???)

The thought that Disney is somehow saturated to the point where this is the only way to increase revenue is absurd, and Universal's uptick has confirmed it. Even the "parents with 2.5 children between ages 5 and 13" aren't choosing to come because very little has changed and there hasn't been a true headliner attraction at Disney built since the 1990's. Disney just doesn't want to believe that the way to increase guests is to have headliner attractions that make, well, headlines in the "real world". Things that people must come visit.

This is because of the AK paradigm - AK didn't increase WDW attendance, it just spread it out. Which ignores the fact that yeah, because the public wasn't dying for it to begin with, and even today suffers identity issues among them, and there is nothing terribly singularly exciting about it to point out. Instead of realizing it was the product, not the market - here we are, with no real capital investment since, except in behind the scenes IT crap that amounts to a hill of beans in actually bringing guests to Orlando and to WDW.

And no, no stupid little bracelet is going to make anyone book a vacation, which is why this entire thing rests on going back to the well instead of digging new trenches.

Fabulous post!

 

[Computer Magic]

So why not let anyone in any park on any day go online and select a virtual fast pass, use it, then select another one? Simply show the app or web screen at the attraction entrance as they show a piece of paper now?

Say I'm in Epcot at 10am and I want a FP for Test Track. I open a free app and select it, it tells me on my iPhone to goto the ride at 4pm and show the app screen. Simple. I'm staying off property, I don't have any jewellery on my wrist, and I don't have to give any details.

This makes the most since. In fact, that is what I thought was being introduced when first heard the current system was going away.

 

[WDWFigment]

Remember, Martin is from the UK. While Europe is actually doing much better than us with advanced payment systems (chip cards are the norm there from my understanding, not the exception they are here, and many countries have implemented a PIN system with credit cards, not just debit), that is partially because of the increased transactional awareness/vigilance that Europeans tend to have. They also don't have the same consumer financial protection laws we do (particularly when they are spending money in another country, as they would at WDW).

Outside of the US, people don't particularly like easier payment systems (most of us would think it a bother to have PIN#'s on our credit cards, but in many places people demand it). The same is true in Canada - people in Canada that don't pay their bills online often go to the bank. With their bill statement (be it credit card, utility, what have you) they walk in to their personal bank and pay the bill. They even have little bar codes on the bills so you bank can hand-scan it to get the money to the appropriate vendor, even though they have nothing to do with your bank. Of course, there are execptions in some countries - but in many countries, they don't have as much paranoia as we have about Identity Theft, etc. - but that's because they don't go storing their credit information in every device or service they use leaving them so easily exposed.

Basically, Europe in particular straddles such a funny line - on one hand, their payment technology is leaps and bounds ahead of ours, but on the other, there is a lot that is still the "old fashioned way" and that's how many people prefer to keep it. They aren't also as used to the need to pay as constantly for things - for example, in Europe, you wouldn't need to take out your wallet to charge breakfast at your hotel, because it would already be included in your nightly rate as part of your stay.

I hate to say it, because I tend to dislike most generalizations of Americans - as I am one, and often the exception, LOL - but truthfully, we are the only people that (supposedly) demand that it's too difficult to reach in our wallet or pocket and take out a credit card. But even us - I really don't think most of us care. And, let's not forget...whereas the many of folks in the US have a stack of credit cards an inch thick, in other countries people don't use credit in such ways to begin with.

You're on a roll!

Just adding some info with regard to the chip and pin system in Europe (and Canada)...it's great. Not only is it more secure, but all of the portable machines (namely in restaurants) are much more consumer friendly.

Unfortunately, chipped cards are incredibly rare in the US, and the ones you can get here are almost all "chip and sign," which is fairly confusing to merchants in other countries.

Just thought I'd throw that in there. Great series of posts.

 

[Computer Magic]

It's too bad Disney didn't roll things out in phases. As it stands, they bit off more than they could chew.

This is what I keep thinking, keep it simple. It easy to control cost if modules are implemented. Seems they were going for a home run instead of singles and ended up striking out.

 

[Radok Block]

The only other benefit we have heard about would be that Mickey would know your name and be able to say it. Supposedly, I haven't actually heard that this is the case. And while yeah, that's cool and all - again, Universal has been doing it since 1990 on ET.

How feasible are customizable ride systems? (And I don't mean simulators, I mean actual vehicles that physically go somewhere.) I've been thinking that if this would lead to something like that-- think Horizons, probably imaginary version 11.0, where you could 'choose your future' by actually moving along sections of the ride that you selected and put in a particular sequence-- then I would be more receptive. You could ride the same ride a dozen times and have several different experiences. That would be very cool. (Granted, I'm an out-of-touch old, so I wouldn't be surprised if this already exists somewhere.)

Has anybody at WDI mentioned, either officially or off-the-record, any kind of blue-sky vision for these things?

 

[lebeau]

Spirited Trip Musings:
Can you visit WDW and not have a Dole Whip, a Cinnamon bun, a churro or a turkey leg? YES!

Most of my trips to WDW do not include any of those over-rated treats.

 

[cslafferty]

This is pretty much what is happening, with the exception of two girls I know (who are big Disney fans) everybody else prefers Universal in my age bracket (18-30). This is anecdotal evidence and I'm not saying this is true across the board, just in my case.

That's not a big surprise. Unless you're a Disney fanatic, there's not much at Disney to interest most in your age group, who are typically looking for big coasters and thrill rides . . . Until they're in their late 20's/early 30's with little kids, when they head back to Disney.

 

[The Legend]

People dressed better and acted better at UNI. Period. This wouldn't be such an issue except for as long as I've been part of the internet fan community I have heard about the lower level clientele that UNI has supposedly attracted.

I agree with most things you say, but this one doesn't connect with me. I feel people dress fine at USF, but with the three of the main rides at IOA being water rides you see TONS of people wandering the park shirt in bikini tops (most that should be wearing much more), shirtless gentleman often and the other day (I go over to UNI at least once a week) I saw two Brazilian teens ride Cat In The Hat in their bra's?!?!

Now if and when they get rid of Toon Lagoon it should take care of this 'trashy dress in the park' issue.

 

[lebeau]

WDW does dominate the under 48" crowd and no one (including Uni) can touch it.

The ONLY reason I am not currently planning a Uni trip is that my youngest is under 48". She's actually on the short side, so it may be a while. On the upside, by the time I get to go back Uni will have opened a bunch of new attractions for me to check out.

And Disney will still be there with the same old same old if I need a theme park fix in the meantime.

I suspect when the kids are old enough, we'll be done with Disney. I'm looking forward to our Uni years.

 

[Computer Magic]

That's not a big surprise. Unless you're a Disney fanatic, there's not much at Disney to interest most in your age group, who are typically looking for big coasters and thrill rides . . . Until they're in their late 20's/early 30's with little kids, when they head back to Disney.

That is a stereotype and wasn't always that way. That's media influencing people shortsighted thinking.

That's a comment you expect from friends, co-workers and family not a WDWMAGIC board. :lookaroun

 

[SirLink]

You're on a roll!

Just adding some info with regard to the chip and pin system in Europe (and Canada)...it's great. Not only is it more secure, but all of the portable machines (namely in restaurants) are much more consumer friendly.

Unfortunately, chipped cards are incredibly rare in the US, and the ones you can get here are almost all "chip and sign," which is fairly confusing to merchants in other countries.

Just thought I'd throw that in there. Great series of posts.

Egads - I hope you don't mean that ... example if I know someones pin number and say give the card to someone else ... they can easily buy goods and services and no one will check the name matches up no more I.D ... the only way the system would be secure if it was pin and sign system. Oh and people can still copy cards in restaurant independent of chip and pin.

 

[bugsbunny]

Disney use to be about awe inspiring rides and magical experiences. Now its about shaking the customer by its ankles to get every last coin out of their pockets but do it while saying "Have a magical day!".

NGE just further reinforces that all they care about is fleecing the existing base rather than build for the future. DVC is another example. Look Aid drinkers will not even listen to the math behind it realize that its not "Disneys best kept secret". In less than 10 years, you will be paying in maintenance fees what it would cost to stay at a wdw hotel. There is NO way Disney is going to let YOU make out on the deal. They are in the business to get your money and for the Kool Aid drinkers to think DVC is an exception is curious. Same goes for the dining plan especially when its "free".

But that's people in general, they don't want to face reality nor deal with it head on. Medication, scooters, and bankruptcy is what our society loves best. The real fantasyland, if you will.

So in that context, you have to think WDW does know what its doing and in using NGE to get some more control over the consumer while doing it under the familiar facade of Disney magic.

 

[Irie]

Whoever thinks executives can't make a bad decision, remember the Pepto Castle.

NGen is just the latest, more expensive version of it. A bad decision that proves management isn't infallible.

The castle cake was/is polarizing, but at least it had a definite shelf life, unlike the wand and the BAH. The castle was painted for 25th celebration and that celebration was extended 1 month longer than originally planned. The castle was then re-painted to look like its old self. I personally had no issue with the Castle Cake but I have been to WDW over 25 times since 1996. The once in a lifetime guest may have been disappointed to see the cake when he/she expected the castle.

 

[willtravel]

When I see slobs in stained t-shirts that barely cover their beer bellies, slouched on couches in the lobby of a so-called Disney deluxe hotel, with their bare feet up on the coffee table, I don't feel like I'm getting my money's worth. So yes, call me elitist. I don't see this kind if thing at deluxe hotels elsewhere.

I'm not saying they should be banned, but I don't think there is anything wrong with requiring certain civilities.

And this does not happen at high end UNI hotels?

 

[alphac2005]

Remember, Martin is from the UK. While Europe is actually doing much better than us with advanced payment systems (chip cards are the norm there from my understanding, not the exception they are here, and many countries have implemented a PIN system with credit cards, not just debit), that is partially because of the increased transactional awareness/vigilance that Europeans tend to have. They also don't have the same consumer financial protection laws we do (particularly when they are spending money in another country, as they would at WDW).

Outside of the US, people don't particularly like easier payment systems (most of us would think it a bother to have PIN#'s on our credit cards, but in many places people demand it). The same is true in Canada - people in Canada that don't pay their bills online often go to the bank. With their bill statement (be it credit card, utility, what have you) they walk in to their personal bank and pay the bill. They even have little bar codes on the bills so you bank can hand-scan it to get the money to the appropriate vendor, even though they have nothing to do with your bank. Of course, there are execptions in some countries - but in many countries, they don't have as much paranoia as we have about Identity Theft, etc. - but that's because they don't go storing their credit information in every device or service they use leaving them so easily exposed.

Basically, Europe in particular straddles such a funny line - on one hand, their payment technology is leaps and bounds ahead of ours, but on the other, there is a lot that is still the "old fashioned way" and that's how many people prefer to keep it. They aren't also as used to the need to pay as constantly for things - for example, in Europe, you wouldn't need to take out your wallet to charge breakfast at your hotel, because it would already be included in your nightly rate as part of your stay.

I hate to say it, because I tend to dislike most generalizations of Americans - as I am one, and often the exception, LOL - but truthfully, we are the only people that (supposedly) demand that it's too difficult to reach in our wallet or pocket and take out a credit card. But even us - I really don't think most of us care. And, let's not forget...whereas the many of folks in the US have a stack of credit cards an inch thick, in other countries people don't use credit in such ways to begin with.

Add to the mix the Chinese, who are in full retro mode, as they prefer to only pay in cash. That includes buying luxury vehicles. It's quite something to read about car buyers in China bringing in suitcases of cash to pay in full for a vehicle.