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Why you can't buy a car onlinefor now

One reason is that manufacturers who have franchised dealers — everyone except Tesla — cannot compete with their dealers by selling directly to consumers either online or through company-owned stores, like Tesla or companies such as Apple. That is the law in all 50 states, so buying from a dealership is the only avenue. Though some consumers clamor for an entirely online experience, the traditional trek to a dealership is still the easiest route. A substantial portion of car buyers rely heavily on the services dealers provide, such as accepting trade-ins, arranging financing and having a selection of vehicles in stock they can see and test drive. "Buying online is the path of least resistance" for a new-vehicle shopper who is not trading in a car and has good credit, so they are a cinch to get approved for a loan, said Mathew Desmond, head of the North American automotive consulting firm Capgemini. But most customers will have a trade-in or need to discuss financing, which isn't well-integrated into manufacturer and dealer sites, Desmond said in a telephone interview. "Dealers use technology heavily, and they're quite savvy, but when it comes to the challenge of integrating finance and insurance platforms for credit approval, for trade-ins and appraisals, and being sure that you have the right value for the vehicle, the integration of all those processes so that they work seamlessly for a great customer experience is a big challenge," he said. All vehicle manufacturers and dealerships have internet sites, but there isn't a seamless transition from shopping on a manufacturer's site to actually buying a vehicle on a dealer's site. A customer who starts building and buying a car on the manufacturer's site might have to start over with the dealership. Chicago-area dealer Mark Scarpelli, chairman of the National Automobile Dealers Association, said dealers are adapting to the changing retail landscape and upgrading their online services. "We're getting to the point where credit applications can be submitted online to a dealership, obviously a car can be picked out, the price can be talked about and somewhat negotiated either on the telephone, through email or a website.

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 Most retail IPOs haven't been so lucky, but At Home stock was up 22 percent on Wednesday.  It gained $4.02 a share to close at $22.53 and is well above its $15 IPO price. The company reported Wednesday its 12th consecutive increase in total sales of at least 20 percent. It also reported its 13th consecutive increase in same-store sales and met its profit forecast. Plano-based decor superstore At Home sets terms for IPO  It's  still at the beginning of a growth path that only newer retail chains are experiencing in today's over-stored market. At Home has 132 stores in 31 states and plans to get to 600.  But it has one big problem: no name recognition with shoppers. The company moved to Plano from Houston in 2014 and changed its name from Garden Ridge to At Home. It also ditched the big orange exterior skin for a more updated gray and blue facade. Plano-based At Home is recycling old spaces into new stores "Brand awareness is very low, so we're investing in advertising," At Home CEO Lee Bird told analysts on a conference call to review results this morning. "Our competitors in existing markets have two to three times the brand awareness that we have," he said. So when the company opens a store, mostly in smaller markets and suburbs, it has to find its audience. So far, that's happening, Bird said.

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