Ward is correct on the Federal Bank Examiners being rather particular (Da__ed PickY!) right now. They are forcing banks to be well collateralized since the failure rate is high. No matter the rating of a bank, they are just forcing them. The credit tightness is thus not actually or only the banks themselves on credit. It is a driven factor by the Federal Auditors who work for the “Fed” which wants to loan money to generate the economy. Sort of a catch 22 system. Though using the NADA book to get Boat, Options, Trailer, Options, Troller and Engine should help you out. They are probably not building the boat and the equipment has to be individually looked up and added. Unlike a car which you can take the Vehicle and add options, where the engine is included. BCB
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