@TimWardCam @GeofCox @Roadwarrior29 @CloudyMrs @ChrisMayLA6 this is absolutely what it does: people on low income are not eligible because the payments can take them below minimum wage and they end up having to pay more for their bike or buy a cheaper one. Whereas people like me can pick a very nice bike at 25% discount (or 42% if you’re higher rate). Horse before the cart.