Tools= automobile mechanic tools in reference to the "dealership" comment. Savvy= knowledge. Time= sometimes it is easier to let someone else with superior skills to the job in 1/2 the times that it would take you to do it while you do other things that : 1) make you more money that what your paying for the job in the same time frame, 2) takes care of other responsibilities= family obligations,etc. 3) I always have a "honey -do list" that takes precedence over tinkering with my computers.