<ARTICLE> 5 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 165,227 <SECURITIES> 0 <RECEIVABLES> 1,994,443 <ALLOWANCES> (7,669) <INVENTORY> 6,501,371 <CURRENT-ASSETS> 0 <PP&E> 241,961 <DEPRECIATION> (44,134) <TOTAL-ASSETS> 11,078,258 <CURRENT-LIABILITIES> 0 <BONDS> 8,169,805 <PREFERRED-MANDATORY> 0 <PREFERRED> 371,000 <COMMON> 359 <OTHER-SE> 661,325 <TOTAL-LIABILITY-AND-EQUITY> 11,078,258 <SALES> 3,332,727 <TOTAL-REVENUES> 3,332,727 <CGS> 0 <TOTAL-COSTS> 2,742,298 <OTHER-EXPENSES> 30,182 <LOSS-PROVISION> 6,137 <INTEREST-EXPENSE> 388,193 <INCOME-PRETAX> 165,917 <INCOME-TAX> 73,332 <INCOME-CONTINUING> 92,585 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 92,585 <EPS-BASIC> 2.66 <EPS-DILUTED> 2.61