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I have always clashed with the sales model used for DM. Why not just let the customer pay for it with credit card directly? If a rep is responsible for the sale, then give them a percentage cut on their Ricoh card as long as the customer is paying. Paying for 3 to 5 yrs as an add-on to the equipment lease is not a very efficient model for increasing volume. Sounds more like doing hard time.

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