For me these kinds of things are a straight economic calculation. If the tiger rock plus the premium is less than what other companies are charging, then I'll

For me these kinds of things are a straight economic calculation. If the tiger rock plus the premium is less than what other companies are charging, then I'll buy a tiger rock. Assuming it doesn't have some sort of problem. If there's a problem with the tiger rock (it smells or takes up a lot of room or whatever) then I'll assign a value to the problem and add it to the premium for my calculations. Same thing with the "lock in" effect of having my rock only pay off after three years. I suppose I could tell them I have a tiger rock when I really don't, but I place a value on integrity, too.