Got 90% of the way toward buying a new car (an EV!), and then backed out at the part where I sign the loan because I'm fundamentally opposed to fees. (Fees are theft. It's how rich people become rich - not by working, but by stealing tiny amounts of money from a large number of other people.)

So now I will wait out the next three months until I can pay for the whole thing in one go without having to do a loan.