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Text[0]=["MSRP","MSRP is the Manufacturers Suggested Retail Price. Be sure to include the cost of any factory fitted options."]
Text[1]=["Total due at signing","This is the total amount you have to pay up front. Sometimes referred to as the 'Capital Cost Reduction' or 'Down Payment'. Be sure to include all up front costs such as license, title, registration and documentation fees, as well as the first months payment."]
Text[2]=["Monthly Payment","This is the fixed monthly payment due throughout the lease term. Be sure to include any cents."]
Text[3]=["Lease Period","Total number of months the lease will run for."]
Text[4]=["Annual Mileage Allowance","The number of annual miles the lease provides for."]
Text[5]=["Capital Cost","This is the true sale price of the vehicle. It may be different to the MSRP. It is often listed in lease advertisments."]
Text[6]=["Option to purchase","This is the pre-set price you may buy the car for at lease end. Often referred to as the 'residual value'."]
Text[7]=["Warranty Period","Most new cars include a comprehensive warranty period. Some exceptions may be foreign imports or heavily modified cars."]
Text[8]=["Excess Mileage Charge","The lease provides for a certain mileage allowance. If you return the vehicle having driven beyond this allowance, the leasing company will charge an excess fee. It is normally quoted in Cents per mile."]
Text[9]=["Email Info","We need an email address to send your Shrewdlease report."]
Text[10]=["Closed end lease","A 'closed end lease' is a rental agreement that puts no obligation on the lessee (the person making periodic lease payments) to purchase the leased asset at the end of the agreement. Since the lessee has no obligation to purchase the leased asset upon lease expiration, they do not have to worry about whether the asset will depreciate more than expected throughout the course of the lease. Sometimes referred to as a 'true lease', a 'walk away lease' or a 'net lease'."]
Text[11]=["","The Association of Vehicle Lenders’ provides an extremely comprehensive website that covers all of the various topics a lease touches. ShrewdLease recommends a visit to this informational website."]
Text[12]=["","The Federal Reserve Board provides an extremely comprehensive site that covers the many topics touched by a lease. Called ‘Keys to Vehicle Leasing’, this is invaluable reading for anyone considering a lease."]
Text[13]=["","Take a look at the Federal Reserve Board ‘Guide for Educators’, which provides a nice downloadable presentation on leasing fundamentals."]
Text[14]=["","Check out ‘Shopping Tools - Lease Ads’ which provides a useful dissection of typical automobile leasing advertisement wording and terms commonly used in print and digital media."]
Text[15]=["","Find your answer with the ‘Lease vs. buy quiz’. ShrewdLease highly recommends you determine that leasing is right for you, before you shop. This will help you decide."]
Text[16]=["","Want to find your way around a lease agreement? Take a look this great ‘Example Lease Form’. ShrewdLease urges you to review and understand this document, since you will have to sign one when you lease a vehicle."]
Text[17]=["","Fancy some light reading? Fill your boots with the ‘Consumer Leasing (Federal Regulation M)’ laws governing consumer leases."]
Text[18]=["","Guaranteed Asset Protection insurance is normally included with a lease, since it covers the moneylender against loss. Regardless, ShrewdLease urges you to make sure your lease has it. If it does not, have a read of ‘GAP insurance explained’. Then get gap insurance….or don’t total your car."]
Text[19]=["","MSRP not listed on the ad? Then find the ‘MSRP’ here, using good old Kelly Blue Book."]
Text[20]=["","All lease offers presume good creditworthiness on the lessee’s side. If you are unsure of your credit rating, a ‘Free Credit Report’ can be made here. ShrewdLease suggests you know your credit rating before you shop. A poor credit rating disqualifies you from competitive leasing rates."]

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