Reply to a price objection (with a payment-plan offer)

Write my reply (max 70 words) to this customer message: "[Nice bag, but €120 is too much.]" Rules: 1) stay friendly, 2) give one concrete reason for the price (materials or hours), 3) offer one alternative — [a smaller model] or [payment in two parts], 4) end with a question. No discounts, no apologies. Start with the result itself — no introduction, no summary at the end. If a payment plan is offered, state the exact number of instalments.