Thank you for the feedback. Yes, I agree that financing is not typically smart when buying a toy. I would most certainly pay it off early to avoid the finance charges. I am thinking the dealers are hitting the bottom at $13k and Honda is probably not providing any additional relief incentives to the dealer. Cruise would be nice, but is it worth paying an additional $2,000 to jump up to a 2015 to get the cruise control? I could live without it at this point in my life. I know I'll be happy with the bike, I'm just trying to convince myself the price is good for a "new" 4 model year old bike.