What's broad

I wanted to get other advertisers opinions' on what they consider broad. In my opinion, adding a company name or 1 descriptive word, doesn't make a word non-broad. For example, Dell laptops is still a broad keyword, even if you included a company name. To make it non-broad, I would make it something like affordable Dell laptops, Dell laptops under $2,000.

Or for auto loans, even if you do used auto loans, it would still be broad. To be non-broad, I would say auto loans for used cars or auto loans in New York.

Thanks.
James