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> I considered it a win-win situation

> the sale person got their kick backs

I don't understand why this is your concern, to the point where you were willing to take on debt to satisfy this stranger's arbitrary incentive.

Please don't take this the wrong way but I think you might want to revaluate if it really was a win-win, or rather if you caved to their pressure tactics and now you're lying to yourself about it.



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