You all know about CA's 10 day waiting period. Well, it doesn't START until AFTER the weapon is paid in total. My local store had a sale--the XD9 plus 3 10-round magazines, plus a Fobus "holster", all in a carrying case. So I put down a deposit to hold on until 10 days before I get my anticipated Xmas bonus. I'll go in and pay it off with plastic, wait the 10 days, and pick it up, then pay off the plastic with my bonus. Come on, December.