HOLY COW BATMAN . . . Looks like I need a WIZ Financial Lawyer ! The more I know the less confident I feel that I can "keep up" with the "enemy" !BobbiBigWheels said:Holdback is connected to days in inventory, not every deal provides hold-back, and said hold-back diminishes the longer it sits. VPA (vehicle performance allowance) is achieved when a dealer hits their FCA dictated target, however, the pay-outs are so small now that it is not a motivator for a loss any longer.