My finance department was underperforming with most of the revenue coming from rate. Aftermarket Specialty came in and implemented a professional sales process that is getting me the results that in the past I could only dream of. Warranty, GAP, Maintenance, Lease Care, Paint Sealant, and other after-sale penetrations are way up with contributions from reserve way down. My overall PVR and CSI for F&I has never been higher. Aftermarket Specialty under promised and over delivered!