To RK tractor guy, if you reread my post , we got the loan payment books, the first payment due date Feb 1st. and never was told about any "layaway till receiving tractor" that you are stating . It has been exactly 30 days from when we signed the app. for the loan, first payment just got sent to them to get there on time. The tractor is being delivered to our house by RK after they get the 3rd. function valve installed. I don't want to sound like I'm complaining, because I knew that the valve and grapple were new to the RK24 and could take longer than what they were telling me but the financing doesn't match up to what you're telling me. So, when does the warranty start? If the tractor has been held at the RK store since signing finance, delivery time still unknown and me already making the first payment. Very confusing to me.