I think I initiated the layaway in Jan; the timing of my order was partly to lock in the HG promo - not so much to spread out the pmts. Was and am still doing some redecorating that I thought would have me ready to pay the balance and get the products this summer. Alas, I'm still not ready. How time flies. I also had my eye on an upgrade of receiver from my Denon 3802 to the NAD T785 which my local retail shop will sell for 2400 (MSRP is 3000). HOWEVER, in conjunction w/ CEDIA, NAD has announced a T785 HD just a year after shipping the non-HD version (that's unusual for NAD). This new line may not be available until early 09; I kind of want to get all the new stuff at once, so I may go the full 12 months w/ my layaway. What can I say? I'm a patient man!