BGParks- Its unfortunate you think you are being overcharged. I also have sympathy for you regarding your disability. Please take no offense, but I also see quite a list of fine auto's in your sig. Frankly, I think you can afford it.
Well, I'm glad to see that you know my financial situation better than I do. Let's run down that list of fine vehicles shall we? 1. Dodge truck - bought with one time inheritance when my father in law passed. 2. 99 SVT Cobra - bought used (price at time of purchase 20k) when still healthy and the bank owned it not me - it has since been sold

because I could no longer afford the payments (I simply forgot to update my signature) 3. PT cruiser - next to the neon the least expensive vehicle in the Chrylser inventory - current retail value 13,000 4. Kawasaki Concours - it's a 95 model with over 40k on it - current retail value 2k 5. Yamaha V-max, a 99 model bought used by me in 03 - current retail value 5k. The only "expensive" vehicle on this list is the truck and it was bought with money that was a one time gift. Care to argue further over who can afford what???
As to the first part of your statement that "it is unfortunate that I think I'm being overcharged" ($40 for a $12 filter) I say it's unfortunate that you don't!!!
By the way --- no offense taken --- but for the sake of accuracy, as opposed to assumption, I just wanted to set the record straight.