Document:

Exhibit 10.191

                           SECOND AMENDMENT TO AMENDED
                          AND RESTATED CREDIT AGREEMENT

      Second Amendment dated as of December 31, 2002 (this "Second Amendment")
to the Amended and Restated Credit Agreement dated as of November 13, 2001 among
Kinro, Inc., an Ohio corporation, Lippert Tire & Axle, Inc., and Lippert
Components, Inc., each a Delaware corporation, the Lenders parties thereto, and
JPMorgan Chase Bank as Administrative Agent, as amended by that certain First
Amendment To Amended And Restated Credit Agreement dated as of February 15, 2002
by and among all such parties and certain other parties thereto (as so amended,
the "Credit Agreement"). Terms used herein as defined terms and not otherwise
defined herein shall have the meanings ascribed thereto in the Credit Agreement.

      WHEREAS, the Borrowers wish to amend the Credit Agreement as set forth in
this Second Amendment to (i) increase the Revolving Credit Commitment and (ii)
extend the Maturity Date; and

      WHEREAS, the Administrative Agent and the Lenders are willing so to amend
the Credit Agreement, subject to the terms and conditions hereof;

      NOW THEREFORE, in consideration of the premises contained herein and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto mutually agree as follows:

      1. Effective as of December 31, 2002 (the "Second Amendment Effective
Date") the Credit Agreement is hereby amended as follows:

            (a) The definition of "Maturity Date" in Section 1.01 of the Credit
Agreement is hereby amended by deleting therefrom the reference to "October 15,
2003" and inserting in lieu thereof a reference to "October 15, 2005".

            (b) The definition of "Revolving Credit Commitment" in Section 1.01
of the Credit Agreement is amended by deleting therefrom the reference to
"$25,000,000" and inserting in lieu thereof a reference to "$30,000,000".

            (c) Section 6.11(d) of the Credit Agreement is amended so that it
shall read as follows:

                  "(d) The Company and its Subsidiaries shall not make or permit
            to be made Capital Expenditures exceeding, in the aggregate, during
            the fiscal year ending: (i) December 31, 2001, $9,000,000; (ii)
            December 31, 2002, the sum of (x) $12,000,000 (of which $12,000,000,
            any such Capital Expenditures in excess of $7,000,000 must be funded
            from new Indebtedness otherwise permitted hereunder), and (y) the
            excess, if any, of $9,000,000

<PAGE>

            over the permitted Capital Expenditures for the fiscal year ending
            December 31, 2001, (iii) December 31, 2003, $13,000,000 (of which
            $13,000,000, any such Capital Expenditures in excess of $11,000,000
            must be funded from new Indebtedness otherwise permitted hereunder),
            and (iv) December 31, 2004, the sum of (x) $14,000,000 (of which
            $14,000,000, any such Capital Expenditures in excess of $11,000,000
            must be funded from new Indebtedness otherwise permitted hereunder),
            and (y) the excess, if any, of $13,000,000 over the permitted
            Capital Expenditures for the fiscal year ending December 31, 2003."

            (d) Schedule 2.01 of the Credit Agreement is amended by substituting
therefor Schedule 2.01 attached to this Second Amendment.

      2. The obligations of the Lenders to make Loans under the Credit Agreement
on or after the Second Amendment Effective Date shall not be come effective
until the date on which each of the following conditions is satisfied (or waived
in accordance with Section 9.02 of the Credit Agreement):

            (a) The Administrative Agent shall have received from each party
hereto either: (i) an executed counterpart of this Second Amendment, or (ii)
written evidence satisfactory to the Administrative Agent (which may include a
telecopy transmission of a signed signature page of this Second Amendment) that
such party has signed a counterpart of this Second Amendment.

            (b) Each Lender shall have received a duly executed Second Amended
and Restated Revolving Credit Note dated as of the Second Amendment Effective
Date (each, a "Revolving Credit Note", which Revolving Credit Note shall also
include all amendments and replacements thereof or substitutions therefor), in
the form of Exhibit 4.01-5B hereto in replacement of and in substitution for the
Amended and Restated Revolving Credit Note dated November 13, 2001 issued to
such Lender under the Credit Agreement.

            (c) The Administrative Agent shall have received disclosure
schedules revised as of the Second Amendment Effective Date under Sections 3.04,
3.05, 3.11 (Schedule 3.11B), 6.04 and 6.06 of the Credit Agreement.

            (d) On the Second Amendment Effective Date there shall be no Default
or Event of Default under the Credit Agreement as amended hereby and, without
limiting the generality of the foregoing, the Borrowers shall furnish to the
Administrative Agent evidence satisfactory to it of compliance with Section
12.10 of the Senior Note Purchase Agreement in connection with the execution and
delivery by the Borrowers of this Second Amendment.

            (e) The Administrative Agent shall have received a certificate of
resolutions of: (i) each of the Boards of Directors or the general partner of
each of the Credit Parties approving this Second Amendment and the Credit
Agreement as so amended, and (ii) of each of the Borrowers approving the
execution and delivery of the Second Amended and Restated Revolving Credit
Notes.

                                       2
<PAGE>

            (f) The Borrowers shall have paid the Administrative Agent an
amendment fee of $75,000, of which $45,000 shall be paid to JPMorgan Chase Bank,
as a Lender, and $30,000 shall be paid to KeyBank National Association, as a
Lender. Said amendment fee shall not be refundable all or in part under any
circumstances.

      3. Each Borrower and each other Credit Party represents, warrants to, and
agrees with the Administrative Agent and the Lenders that:

            (a) Its execution and delivery of this Second Amendment and its
performance hereof (i) is within its corporate or partnership powers, (ii) has
been duly authorized by all necessary corporate, partnership, or other action,
and (iii) does not contravene any law, rule or regulation applicable to it or
violate or create a default under its organizational documents or any
contractual provision binding on it or affecting it or any of its property;

            (b) This Second Amendment constitutes its legal, valid and binding
obligation enforceable against it in accordance with its terms, except as
enforcement thereof may be subject to (i) the effect of any applicable
bankruptcy, insolvency, reorganization, moratorium or similar law affecting
creditors' rights generally, and (ii) general principles of equity (regardless
of whether such enforcement is sought in a proceeding in equity or at law);

            (c) There is no Default or Event of Default nor would there be any
Default or Event of Default after giving effect to this Second Amendment; and

            (d) The Credit Agreement as hereby amended shall continue in full
force and effect.

      4. Each Credit Party hereby agrees that each Loan Document to which it is
a party, in each case as its obligations thereunder may be affected by this
Second Amendment, is hereby ratified and confirmed and shall continue in full
force and effect.

      5. Each Credit Party hereby further agrees to execute and deliver to the
Administrative Agent such additional documentation and take such further actions
as the Administrative Agent shall require further to effectuate the intent of
this Second Amendment.

      6. This Second Amendment sets forth the entire agreement of the parties
with respect to the subject hereof and shall not be deemed to be a waiver of any
Default or Event of Default not expressly waived herein.

      7. This Second Amendment shall be governed by and construed and enforced
in accordance with the laws of the State of New York in effect from time to time
applicable to contracts made and to be performed wholly within such State,
without regard to any choice or conflict of laws rules.

      8. This Second Amendment may be executed in counterparts, each of which
shall be deemed an original, and all of which taken together shall constitute
one and the same instrument. This Second Amendment shall become effective upon
execution and delivery of a counterpart hereof by each Credit Party and by all
of the Lenders and the Administrative Agent.

                                       3
<PAGE>

      IN WITNESS WHEREOF, each of parties hereto, by its duly authorized
officer, or its general partner, as the case may be, has executed and delivered
this Second Amendment as of the date and year first set forth above.

                              DREW INDUSTRIES INCORPORATED

                              By: ______________________________________________
                                  Name:
                                  Title:

                              KINRO, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              LIPPERT TIRE & AXLE, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              LIPPERT COMPONENTS, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              KINRO HOLDING, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              SHOALS HOLDING, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                                       4
<PAGE>

                              LIPPERT HOLDING, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              KINRO MANUFACTURING, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              LIPPERT COMPONENTS MANUFACTURING, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              LIPPERT COMPONENTS OF CANADA, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              COIL CLIP, INC.

                              By: ______________________________________________
                                  Name:
                                  Title:

                              KINRO TENNESSEE LIMITED PARTNERSHIP

                              By: Kinro Manufacturing Inc., its general partner

                                  By: __________________________________________
                                      Name:
                                      Title:

                                       5
<PAGE>
                              LIPPERT TIRE & AXLE TEXAS LIMITED PARTNERSHIP

                              By: Lippert Components Manufacturing,  Inc., its
                                  general partner

                                  By: __________________________________________
                                      Name:
                                      Title:

                              KINRO TEXAS LIMITED PARTNERSHIP

                              By: Kinro Manufacturing, Inc., its general partner

                                  By: __________________________________________
                                      Name:
                                      Title:

                              BBD REALTY TEXAS LIMITED PARTNERSHIP

                              By: Kinro Manufacturing, Inc. its general partner

                                  By: __________________________________________
                                      Name:
                                      Title:

                              LIPPERT COMPONENTS TEXAS LIMITED PARTNERSHIP

                              By: Lippert Components Manufacturing, Inc., its
                                  general partner

                                  By: __________________________________________
                                      Name:
                                      Title:

                                       6
<PAGE>

                              JPMORGAN CHASE BANK, in its capacity as Lender
                              and Administrative Agent

                              By: ______________________________________________
                                  Name:
                                  Title:

                              KEYBANK, NATIONAL ASSOCIATION, in its capacity as
                              Lender

                              By: ______________________________________________
                                  Name:
                                  Title:

                                       7
<PAGE>

                                                                   SCHEDULE 2.01

Lender                                            Revolving Credit Commitment
------                                            ---------------------------
JPMorgan Chase Bank                                         $18,000,000
KeyBank, National Association                                12,000,000
                                                             ----------
TOTAL                                                       $30,000,000

                                       8Exhibit 10.192

                SECOND AMENDED AND RESTATED REVOLVING CREDIT NOTE

$18,000,000                                                   New York, New York
                                                         As of December 31, 2002

      FOR VALUE RECEIVED, the undersigned, KINRO, INC., an Ohio corporation,
LIPPERT TIRE & AXLE, INC., a Delaware corporation, and LIPPERT COMPONENTS, INC.,
a Delaware corporation (the "Borrowers"), hereby jointly and severally,
unconditionally promise to pay to the order of JPMorgan Chase Bank (the
"Lender"), at the office of JPMorgan Chase Bank (the "Administrative Agent") at
One Chase Manhattan Tower, New York, New York 10081 on the Maturity Date in
lawful money of the United States of America and in immediately available funds,
the principal amount of (a) EIGHTEEN MILLION DOLLARS ($18,000,000) or, if less,
(b) the aggregate unpaid principal amount of all Revolving Loans made by the
Lender pursuant to the Credit Agreement (referred to below). The Borrowers
further agree, jointly and severally, to pay interest on the unpaid principal
amount outstanding hereunder from time to time from the date hereof in like
money at such office at the rates and on the dates specified in the Credit
Agreement.

      The holder of this Note is authorized to record on the schedule annexed
hereto or on a continuation thereof the date, Type and amount of each Loan made
pursuant to the Credit Agreement, each continuation thereof, each conversion of
all or a portion thereof to another Type, the date and amount of each payment or
repayment of principal thereof and, in the case of Eurodollar Loans or Fixed
Rate Loans, the length of each Interest Period with respect thereto; provided,
however, that the failure to make any such recordation shall not affect the
obligations of the Borrowers in respect of such Loans.

      This Note is one of the Revolving Credit Notes referred to in the Credit
Agreement dated as of January 28, 1998, as amended and restated as of November
13, 2001 and as further amended as of February 15, 2002 and as of December 31,
2002 (as so amended, the "Credit Agreement") among the Borrowers, the Lenders
party thereto and JPMorgan Chase Bank as Administrative Agent, is secured as
provided therein and in the Security Documents, is entitled to the benefits of
the Guarantee Agreements as provided in the Credit Agreement and the Guarantee
Agreements, and is subject to optional and mandatory prepayment as set forth in
the Credit Agreement. Any amounts owing under the Amended And Restated Revolving
Credit Note dated as of November 13, 2001 and issued under the Credit Agreement,
which this Note replaces and is substituted for, shall continue to be owing
under this Note in all respects.

      Upon the occurrence of any one or more of the Events of Default specified
in the Credit Agreement, all amounts then remaining unpaid on this Note shall
become, or may be declared to be, immediately due and payable, all as provided
in the Credit Agreement.

<PAGE>

      All parties now and hereafter liable with respect to this Note, whether
maker, principal, surety, guarantor, endorser or otherwise, hereby waive
presentment, demand, protest and all other notices of any kind.

      Terms defined in the Credit Agreement are used herein with their defined
meanings unless otherwise defined herein. This Note shall be governed by, and
construed and interpreted in accordance with, the laws of the State of New York.

                                   KINRO, INC.

                                   By:___________________________________
                                      Name:
                                      Title:

                                   LIPPERT TIRE & AXLE, INC.

                                   By:___________________________________
                                      Name:
                                      Title:

                                   LIPPERT COMPONENTS, INC.

                                   By:___________________________________
                                      Name:
                                      Title:

                                       2
<PAGE>

                                                                      SCHEDULE 1
                            TO SECOND AMENDED AND RESTATED REVOLVING CREDIT NOTE

                  LOANS, CONVERSIONS AND PAYMENTS OF ABR LOANS

<TABLE>
<CAPTION>
=============================================================================================================
                                                   Amount of      Amount of
                                                   ABR Loans     Eurodollars       Unpaid
                                   Amount of     Converted to       Loans         Principal
                    Amount of      Principal      Eurodollar     Converted to    Balance of      Notation
Date                ABR Loans        Repaid          Loans        ABR Loans       ABR Loans       Made By
-------------------------------------------------------------------------------------------------------------
<S>                 <C>            <C>           <C>             <C>             <C>             <C>

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</TABLE>

<PAGE>

                                                                      SCHEDULE 2
                            TO SECOND AMENDED AND RESTATED REVOLVING CREDIT NOTE

               LOANS, CONVERSIONS AND PAYMENTS OF EURODOLLAR LOANS

<TABLE>
<CAPTION>
=============================================================================================================
                                                   Amount of                          Unpaid
                                                  Eurodollar       Amount of        Principal
                    Amount of      Amount of         Loans         ABR Loans        Balance of
                   Eurodollar      Principal     Converted to     Converted to      Eurodollar     Notation
      Date           Loans          Repaid         ABR Loans    Eurodollar Loans      Loans        Made By
-------------------------------------------------------------------------------------------------------------
<S>                <C>             <C>           <C>            <C>                 <C>            <C>

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</TABLE>

<PAGE>

                                                                      SCHEDULE 3
                            TO SECOND AMENDED AND RESTATED REVOLVING CREDIT NOTE

                     LOANS, CONVERSIONS AND PAYMENTS OF FIXED RATE LOANS

<TABLE>
<CAPTION>
==================================================================================================================
                                                                  Amount of
                                         Amount of               Fixed Rate   Amount of
                                        Fixed Rate   Amount of      Loans    Eurodollar   Unpaid
                                           Loans     ABR Loans    Converted    Loans     Principal
                Amount of   Amount of    Converted   Converted       to      Converted    Balance
               Fixed Rate   Principal     to ABR     to Fixed    Eurodollar   to Fixed    of Fixed     Notation
   Date          Loans       Repaid       Loans     Rate Loans     Loans     Rate Loans  Rate Loans     Made By
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<S>            <C>          <C>         <C>         <C>          <C>         <C>         <C>           <C>

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</TABLE>

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