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How does Yamaha cash back work? Do dealers include this in their advertised selling price or would this be separate? For anyone with experience with Yamaha financing--do they tend to be a picky lender, decent rates, etc.?

Hi all, I am new and want to buy a bike soon. That said I'd like opinions from people that actually ride this bike before I put down cash. I personally like the look of the fz8 best; the next best look would be fz-07 and last the fz-09. I have not had a chance to see the 07 in person, but the...