Once the math becomes more complicated than we can work out quickly I lose all trust in the financial institution to get it right and explain it properly. Maybe I am jaded, but it always seems like they screw things up and from my experience the error is usually in their favour. No offense to Pylon, but this seems to be the case every time I have bought a new car from a dealership. The finance guy on the last three purchases has made mistakes in their favour that they denied, deflected and eventually corrected. Twice using a phrase like "Don't worry about it, it is right it just looks different because of the way the computer calculates it"
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