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Easy Pay is a big help to some, I've done it on QVC many times.  The cost of Lionel's higher end locomotives is prohibitive for a lot of folks and I may be falling into that category in the near future.  I'm retired and all I have is SS and that isn't much and the company I worked for 33 years for was bought out by another and the new company figured out how to screw people on their retirement plans, instead of a nice monthly check they just gave you a lump sum that was way less than what you should have got.  It really bites and to top it all off, my wife ended up taking a job that gave her a little more than a 50% cut in pay.  Looks like I'll be going back to work as soon as I get the packing finished.  So yes, Easy Pay helps a lot of people.  I like Lionel, always have but I think some of the prices they ask are totally outrageous and always have been.   Just my 2 pennies worth.

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