I wouldn’t read that as a straight “reliability got worse” signal. From what I’ve seen, ESP prices go up mainly because of inflation, higher labor rates, and crazy parts costs, especially with all the electronics in newer cars.
Also, Ford is just pricing risk more aggressively now – doesn’t...
I actually appreciate seeing someone document this instead of just debating it in the abstract. Matching the loan balance to the penny and isolating the account removes a lot of the usual noise. The allocation is definitely aggressive, but you’re clear about that, and it fits the goal. What...