F&IWatch

F&I is where Eastgate's month is leaking. Crestline changed its VSC reserve structure and 72-month markup caps effective the 1st; the menu here was never re-rated, so every Crestline quote over 72 months shows a stale payment and the customer declines the coverage. PVR is $1,504 against your own T90 of $1,646, VSC penetration is 29% — down 10 points — and the damage is confined to Crestline-funded 72mo+ paper, which runs $1,067 a copy. Chargebacks are flat at 5.6%, so this is mix, not the quality of the book. Call it $650 a day: $9.1K gone MTD, $17K by month-end if nobody touches the menu. The fix is 20 minutes — re-rate against the new reserve table; Dana Whitfield at Downtown Ford has the corrected version. Jordan Ellis was routed Tuesday at 7:02 AM and hasn't acknowledged after two nudges. That's now flagged at group.