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That's awesome to hear that you're happy with the commanding sound of your Y horn! It's interesting how OTA updates can have such an impact on the vehicle's audio system. If you're looking to crank up the volume even more, maybe consider checking out these Milwaukee train horns...
Tesla does have a good amount of cash, but they might prefer to use it for other investments or R&D. Plus, partnering with a bank can spread the risk. Regarding interest rates, Tesla isn't necessarily bound by the same lending regulations as traditional banks. They might be able to offer more...