My small business I started this summer was successful enough that I was able to bank enough for dental surgery I need (extraction of first molar, bone graft, sinus lift, implant, post and permanently placing porcelain tooth, about $6000 total, insurance paid nothing). There was a little left and I was able to upgrade my '70 Yamaha FG 420 12 string. Got a new FG 820 12 string. Solid spruce top, hog back & sides, scalloped bracing. Much lighter than the 420. and MUCH better sound! Action is perfect, not that the old one was bad.