Kind of reminds me of when I bought a Gateway computer (stop laughing!) a few years ago. The computer cost $2200, and I was going to put down $1500 and finance the rest. But the bastards wouldn't let me finance for the rest without a co-signer. Words cannot express how pissed I got at the sales chick.
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You start out motorcycling with a full bag of luck and an empty bag of experience. The trick is to fill the bag of experience before you empty the bag of luck.
Some people are like slinkies; they're good for nothing but they still bring a smile to your face when you push them down a flight of stairs. 
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