I’ve heard some rumblings lately about auto loan refinancing, and was wondering if we might see more lenders dabble in it in the next year to 18 months. Some folks I’ve talked to are proponents of it, saying that the interest rate environment is ripe for refinancing. More than half of State Farm Bank’s business, for instance, is auto refinancing. Meanwhile, others say that auto refis will never take off because consumers don’t have enough equity in their vehicles and profits are minimal. Thoughts?