It's your money, I understand that, so do as you see fit. However 20% isn't that bad. When I ordered my Ruger SR1911 on 12/30/11 I had to put 50% down. It is now with in $75.00 of being paid for. I am however still waiting on it.

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M&P9/9C/Shieldx2/Sportx2/15-22