[Excaliber]

I've 'worked the numbers' many differenet ways myself, indeed, it will take YEARS to even approach 'pay off' UNLESS your going to buy a new car anyway. But to go out and trade in your big SUV, take a HUGE hit on the trade in value, and buy a new SUV/Car/Motorcycle to 'save money' with better mpg,,, it's not a wise investment.