At the risk of starting a flood again of "What's Hobby Lobby?", this week (Mon-Sat) they have an internet coupon at
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50% off plastic models. Last time they did this one, I was able to convince the manager that Model Power building kits should be included. They usually have a number of HO and lesser numbers of N scale items. Your mileage may vary. You have to print the coupon and take it in with you.
Val