Let's say you're a typical low-paid working stiff. You've sailed small boats all your life, you've saved a little money--you're finally ready for a real cruising boat. You drop in on Tadd, your friendly neighborhood yacht broker, who is more than happy to sell you that brand-new Trickledown 32 for only $90,000, plus a few optional extras like anchors, sails, cushions, a compass, instruments--stuff like that; say, $115,000 ready to sail..