DO NOT USE TOSHIBA DIRECT FINANCING. It is impossible to get ahold of anyone who has anythign to do with the credit card they qualify you for and send you. Their payment method is bogus pay-by-phone only BULL SH** and they never tell you how much you have left to pay or anything, only option on the phone is to enter payment amount. They hope to God that you leave an outstanding balance on your purchase so they can ramp up the interest after 6 months and send you a hefty bill. So far my computer has been excellent but toshiba's "bank" or whatever they want to call it, Toshiba Direct, is bull and probably means the company itself is full of crooks.