I would say we are in agreement on that. Your out 32K (40K-8K credited at closing) and then you pay 4K per year in 2023 and 2024 and get no points for it. And after all is said and done you paid the financial equivalent to $113, basically the going rate for points today. So you suffer through 3 years of no points and don't get a "deal" on those points. If I was in the market, I would pay $113 for a contract with 2022 points, or $121 for a loaded contract, over paying 89 for this one and waiting 3 years to use any points.