1. You're still in sales mode. You just built a rapport with your salesperson to the point of saying yes, and now you have to start over with someone new? Yes, and don't let the finance and insurance title fool you. These are salespeople. F/I is working to make the dealership money. When you are dealing with a salesperson, the whole conversation is about selling you something tangible. It's fun and exciting talking about new bikes, but once you walk into the business office to discuss financing, ESP, and GAP, you've let go of the handlebars and grabbed onto a pen. Talk about sucking the fun right out of it.