We all know that the reef hobby can be very expensive - the sky really is the limit when setting up your new system. We've all been in scenarios where we've wanted something that's just out of our budget and we start thinking about the things we can sell, or how we promise ourselves to be more financially responsible after this purchase. Let's face it - today's younger generation(s) are more financially reckless and impulsive than ever and I don't think it's right for Marine Depot to be encouraging this type of behavior. You can save yourself thousands of dollars just by waiting for the next person to get divorced or get out of the hobby and buy their setups. Also... If you're going to spend a whole ton of $$ on a purchase why not put that on a real credit card where you not only get protection and rewards like cashback, points, sky miles, etc? I spent $1600 at Lowe's on a new washer and dryer and got 0% interest for 12 months. I didn't even have great credit at the time, it was just a promotion lol.