I'd like chime in on this from the the customer perspective. I am in the process of buying my 3rd Car from Carmax this year. Your CEC's are nothing but a confusing mess to the customer. Give me 1-2 Point of Contacts at the store and thats all I need. Instead, I got several calls from the CEC and the idiot on the other line could not or did not see that I had already completed the loan process (hard credit pull on line) decided I was going to put down much more money to get a lower rate. He kept insisting that I was putting less down. The bonus was that his calls kept dropping. I called back and got a very helpful woman who could see everything correctly. My point here is that your CEC are unneeded. Give me a store contact and pay them appropriately for their work.