Um yeah, this comes up every now and then. Like XOC said, which kid do you decide to put in the crumple zone? I would never, ever do that. Vehicles that come from the factory with the third row seats have the passenger cabin reinforcement surrounding the third seat; the Xterra does not.
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ChuckH
"Every morning when I wake up I know it's not going to get any better 'til I go back to sleep again!" Al Bundy