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Message: <blockquote data-quote="&quot;CHRIS&quot;" data-source="post: 539729" data-attributes="member: 41398">I appreciate all the responses!  It has given me food for thought............but it is still a bit confusing. The link I provided sure makes it even more muddy, as hark had alluded to.  I will just have to weigh my options:1. Grey market/seller warranty2. refurbished lens3. Best Buy/finance the lens/Nikon warranty4. win the office March Madness pool.........and get two lens!!I am liking the fourth option best<img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile    :)" loading="lazy" data-shortname=":)" /></blockquote>