ࡱ> "$ !k` .bjbj ](&,,P,# moooooo$ܻhDHGř^#GG,߭߭߭Gz,m߭Gm߭߭߭@D p,?2߭ 0߭߭߭fET߭ "GGGG,,,dCIB,,,I,,, 2004-05 Nissan Altima Standard equipment. Base Model: The base 2.5 model ($16,850) comes standard with power windows, a green-tinted solar glass windshield, power steering, tilt and telescoping steering wheel, fold down center armrests front and rear, a 60/40 split folding rear seat and an in-glass antenna. Stereo and air conditioning are not part of the base package, however, and other options are limited to chrome wheels, automatic transmission and fog lights. S Model: The 2.5 S ($18, 700) adds air conditioning, power mirrors, remote keyless entry with remote trunk lock, an eight-way adjustable driver's seat, cruise control, a six-speaker audio system, seatback pockets and a lock for the split rear seat. This is the most popular Altima, and Nissan offers several option packages to further increase its appeal. The Convenience Package ($1,680) features alloy wheels, 8-way power driver's seat with lumbar support, leather-wrapped steering wheel, steering wheel-mounted audio controls, trip computer, dual illuminated vanity mirrors, speed-sensitive volume control, automatic headlights and a vehicle security system. The Convenience Plus Package ($2,500) adds a power glass sunroof with sunshade to the other goodies. The Premium Convenience Package ($3,300) ups the ante with a Bose audio system that includes a six-disc in-dash CD changer. SL Model: The 2.5 SL ($23,200) is the luxury Altima. It has most of the features offered in the Convenience Packages and comes standard with an automatic transmission, heated leather seats, a power driver's seat and simulated wood trim. The only convenience option is the sunroof ($850). For those who want all the goodies without the big engine, this is the car. 3 optional packages available cant get just Bose system, must ADD package. You may be able to talk the dealer into adding it separately. maybe. If not I would go to Circuit City or Best Buy and ask them what their best stereo/speaker package is and have them install it. Doesnt seem worth it to get entire package if all you want is the audio system. Here are the packages: H01$3,300Premium Convenience Package Includes 16" alloy wheels, 8-way power driver seat, driver seat manual lumbar support, auto on/off headlights, dual illuminated visor vanity mirrors, trip computer, Bose audio system with 6-disc in-dash CD changer, 8 speakers, radio data system, speed sensitive auto volume, vehicle security system, cargo net, sunvisor extensions, leather wrapped steering wheel, steering wheel mounted audio controls, front passenger 1-touch up/down power windows, key operated front window up/down, key FOB front window down and power glass sunroof.G01$2,500Convenience Plus Package Includes 16" alloy wheels, 8-way power driver seat, driver seat manual lumbar support, auto on/off headlights, dual illuminated visor vanity mirrors, trip computer, mid-line audio with AM/FM radio and CD player, speed sensitive auto volume, vehicle security system, cargo net, sunvisor extensions, leather wrapped steering wheel, steering wheel mounted audio controls, front passenger 1-touch up/down power windows, key operated front window up/down, key FOB front window down and power glass sunroof.F01$1,680Convenience Package Includes 16" alloy wheels, 8-way power driver seat, driver seat manual lumbar support, auto on/off headlights, dual illuminated visor vanity mirrors, trip computer, mid-line audio with AM/FM radio and CD player, speed sensitive auto volume, vehicle security system, cargo net, sunvisor extensions, leather wrapped steering wheel, steering wheel mounted audio controls, front passenger 1-touch up/down power windows, key operated front window up/down and key FOB front window down. Here are other options that can be added, notice ABS is not standard with S model: R091,30016" Chrome Wheels REQUIRES F01 or G01 or H01. T01800ABS & Side Airbag PackageP92310Side Sill & Rear Splash Guards NOT AVAILABLE with B10. U10280Fog Lights A92/A93/A9240EC Mirror w/Compass & TempA95/A96/A9220EC Mirror w/Compass L92150Floor/Trunk Mat SetB10110Splash Guards  Review: There are reviews on each website. They are all pretty much like this one but I picked this as an example. Gold Standard Performance at a Tin Cup Price For years, people with modest means who needed the practicality of a four-door sedan were offered little more than a series of generic-looking, colorless, gutless rental car clones. Riding to their rescue is Nissan's Altima, a car that puts the "fun" back in fundamental transportation. For 2004, the spirited Altima line continues to offer a wide variety of trim levels and engine/transmission choices. The 2.5, 2.5 S and 2.5 SL are all powered by an impressive 2.5-liter four-cylinder engine that seems to be laboring under the delusion that it is actually a small V6. You'll find the 2.5-liter's ample torque (181 lb-ft. at 6000 rpm) allows it to accelerate briskly, pull with vigor and run like the windall while sipping fuel at the miserly rate of 23-mpg city and 29-mpg highway. The 2.5 and 2.5 S come standard with a quick-shifting five-speed manual transmission and offer the option of a four-speed automatic; the 2.5 SL is available only with the automatic. The last trim level in the Altima arsenal is by far the best. The 3.5 SE comes with a long list of standard and optional equipment, all of which becomes secondary once you've experienced the potent output of the car's 3.5-liter V6 engine. Rated at an astounding 245-horsepower, the 3.5 SE is clearly equipped to outrun many high-end sports sedans costing tens of thousands more. Whether starting from a dead stop or passing up slower moving traffic, the 3.5 SE delivers instantaneous bursts of speed that generate enough g-forces to merge body with seat. All that power does come at a price, and you'll feel it mostly in the form of pure torque steer, a term used to describe a front-wheel-drive car's tendency to pull in the direction of the wheel getting power. Beyond this one minor observation, everything else about the 3.5 SE's handling abilities shine brighter than a mirror pointed at the sun. You can run the Altima through the tightest of turns, wrenching the steering wheel back-and-forth in a furious attempt to make the rear-end break loose, but it will all be in vain. The sport tuned suspension and independent rear-end are clearly resolute in their mission to keep the Altima connected to the road. As for the handling of the four-cylinder models, you'll find it is almost as good as that of the 3.5 SE and certainly light years ahead of your average family sedan. Performance and handling are only part of the Altima success story; the rest can be found inside the car. Slip inside the Altima and you'll find a roomy cabin with ample legroom for both front and rear passengers. The driver is greeted by a sophisticated dash design highlighted by a pod-like instrument cluster that moves in conjunction with the tilt/telescopic steering wheel. At the center of the dash you'll see an oval panel that houses the audio and ventilation controls, all of which are illuminated by warm orange back lighting. Though soothing to view at night, some may find that the digital readouts become washed out in bright sunlight making them somewhat difficult to see. Nissan has improved the quality and texture of the interior plastics, but the Altima's interior is still not up to par with cars like the Honda Accord and the Volkswagen Passat. Though comfortable for passengers, some drivers may find the Altima's seats a bit on the soft side and could do with a bit more side bolstering, especially during sporting drives. Creature comforts are plentiful in the Altima. The base 2.5 comes standard with 4-wheel disc brakes, rear defroster, power door locks, tilt/telescopic steering wheel, split-folding rear seats, one-touch up/down power windows, 16-inch wheels with covers and illuminated entry. The 2.5 S adds air conditioning, keyless entry, dual power mirrors, speed control, upgraded audio and a longer options list. The 2.5 SL adds such luxury items as leather seats while both the SL and 3.5 SE offer heated outside mirrors, automatic day/night rear-view mirror, power driver's seat, AM/FM CD audio and much more. Options include a power moonroof, alloy wheels, side-impact airbags and a Bose audio system. Pricing: According to most sites you should be able to get a good deal on a new 2004 model as they want to get them off their lot to make room for the 05s. Close or right at the invoice price is what I would aim for. Remember, its in their best interest to move the vehicle, especially the 04s. If their not willing to deal screw em move on to one who is. There are plenty of people willing to work with you. Dont be afraid to get up and walk away they might expect that and will call you back GUARANTEED. Its happened to me every time and they become much more willing to negotiate. Besides, they are getting holdbacks and incentives (see below) so even if they dont make a profit on the sale theyre still getting money on the deal.  INCLUDEPICTURE "http://www.kbb.com/images/wsr/ncpr/ncbb/market_title.gif" \* MERGEFORMATINET   INCLUDEPICTURE "http://www.kbb.com/images/clear.gif" \* MERGEFORMATINET  These 2004 models are discounted as the new 2005's begin to arrive. Because there is little or no price increase on the new models, it is possible to purchase these 2004 models for close to their original invoice price. 2004 Nissan Altima 2.5 S 4dr Sedan (2.5L 4cyl 4A)MSRPInvoice INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" National Base Price A note about  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" advertising fees$19,200$17,958 INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Regional Adjustment for Zip Code  HTMLCONTROL Forms.HTML:Text.1  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Change-- INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Optional Equipment N/AN/A INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET No optional equipment selected INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Color Adjustment-- INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET Not Sure HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Destination Charge$560$560 INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET Total with Options$19,760$18,518 INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  2004 Nissan Altima 2.5 SL 4dr Sedan (2.5L 4cyl 4A)MSRPInvoice INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" National Base Price A note about  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" advertising fees$23,200$21,456 INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Regional Adjustment for Zip Code  HTMLCONTROL Forms.HTML:Text.1  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Change-- INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Optional Equipment N/AN/A INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET No optional equipment selected INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Color Adjustment-- INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET Not Sure HYPERLINK "http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*" \l "#" Destination Charge$560$560 INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET Total with Options$23,760$22,016 INCLUDEPICTURE "http://a332.g.akamai.net/f/332/936/12h/www.edmunds.com/media/trans_1x1.gif" \* MERGEFORMATINET  Websites used for research, dealer locations, reviews and pricing:  HYPERLINK "http://www.kbb.com" www.kbb.com  HYPERLINK "http://www.edmunds.com" www.edmunds.com  HYPERLINK "http://www.nadaguides.com" www.nadaguides.com  HYPERLINK "http://autos.msn.com/home/new_research.aspx?src=Home&pos=new0" autos.msn.com/home/new_research.aspx?src=Home&pos=new0  HYPERLINK "http://www.intellichoice.com" www.intellichoice.com  HYPERLINK "http://www.vehix.com" www.vehix.com Costco Information: All in all this looks like a good deal. The trick is to find out who the authorized dealer is and what the price they are offering for both your trade-in and the new car is. Be sure to discuss the new car price before talking about your trade-in so they cant bounce them off each other.  HYPERLINK "http://www.costcoauto.com/index.asp?ZipCode=07920" http://www.costcoauto.com/index.asp?ZipCode=07920 Step 1.  INCLUDEPICTURE "http://www.costcoauto.com/images/hiw_1select.gif" \* MERGEFORMATINET  Deciding which new vehicle to purchase or lease is exciting, but it also can be overwhelming.  HYPERLINK "http://www.costcoauto.com/carre/" Car Research helps you explore your options with side-by-side vehicle comparisons, available options, and  HYPERLINK "javascript:void(0)" Invoice and  HYPERLINK "javascript:void(0)" MSRP pricing.  HYPERLINK "http://www.costcoauto.com/evauto/" Reviews and Road Tests features informed descriptions of new models. If you already know what you want, go to the  HYPERLINK "http://www.costcoauto.com/buying/" Contact a Dealer section. Step 2.  INCLUDEPICTURE "http://www.costcoauto.com/images/hiw_2finddealer.gif" \* MERGEFORMATINET  Our team of automotive professionals cover the nation looking for dealerships that meet the Costco Auto Program's standards of excellence. Participating dealerships are chosen for their large inventories, competitive pricing, proximity to Costco warehouses and superior customer service. You will be given the name and contact information of the  HYPERLINK "javascript:void(0)" Authorized Dealer Contact at a participating dealer near you. You can call the dealer yourself at any time, or the contact will call you within 24 hours to discuss your selection and make an appointment. Be sure to speak only with the Authorized Dealer Contact.  Step 3.  INCLUDEPICTURE "http://www.costcoauto.com/images/howworks/hiw_3ask.gif" \* MERGEFORMATINET  Bring your Costco membership card when you meet the Authorized Dealer Contact to select a vehicle. Ask to see the Costco  HYPERLINK "javascript:void(0)" Member-Only Price Sheet and the Manufacturers  HYPERLINK "javascript:void(0)" Invoice to calculate the Costco  HYPERLINK "javascript:void(0)" Member-Only Price of the vehicle. Members also are entitled to any manufacturers rebates, incentives or special financing offers. Remember: ONLY the Authorized Dealer Contact can provide the Member-Only Price.  Why should I use the Costco Auto Program? Members using the Costco Auto Program save money, time and hassle on new vehicle purchases and leases. Our field staff selects participating dealers that offer competitive pricing and superior customer service. Our Competitive Shop staff surveys more than 1,000 dealers every month to keep our pricing up-to-date. In the unlikely event that a problem should arise, our Member Advocacy Group will work with you to resolve the situation. When you use the Costco Auto Program, a full complement of industry professionals stands behind you. What should I do if I have questions about my dealer experience? Our Member Advocacy Group was created to assist you whenever you have a question or concern with one of our participating dealers or any aspect of your new vehicle purchase. We address all member issues. The Costco Auto Program goes to great lengths to ensure our members have a no-haggle, no-hassle car-buying experience. Our member advocates can answer any questions you may have and are here to assist you before, during, and after your purchase so please dont hesitate to contact us. You can reach us at 1-800-556-4730, Monday through Friday, 6 am to 7 pm PST. Why doesnt the Costco Auto Program tell me the vehicle price? The exact price of the vehicle is determined by the particular vehicle you select. Differences in optional equipment and accessories will affect the sale price. You are quoted the Member-Only Price once you have selected a specific vehicle. If you have any questions about the price the dealer has quoted, the Member Advocacy Group can review the offer for you. Where does the Costco Auto Program operate? The Costco Auto Program has assembled a network of more than 2,000 dealerships at most warehouses in the contiguous U.S., Hawaii and Puerto Rico. The program offers most major brands, so check the Contact a Dealer section of this site to see if your favorite make is available in your area. Does the Costco Auto Program offer all makes and models? The brands and models available vary according to location. We make every effort to offer most brands in most areas. However, some local dealers may be unwilling or unable to meet Costco Auto Program criteria for pricing and service. If your search results indicate there is no nearby dealer, you can telephone our Member Advocacy Group at 800-755-2519. Can I go straight to the participating dealer or do I need to go through the Costco Auto Program first? Costco members wishing to purchase vehicles through the Costco Auto Program or receive a discount through the Executive Benefit Parts and Service program must always use our Web site or call center to locate and make an appointment at a participating dealer. This allows us to ensure that you receive excellent value and service, and prevents you from visiting a dealer that no longer participates in the program and cannot provide Costco pricing or service discounts. Do I have to wait for the dealership to call me to make an appointment? No, you may call the dealer at any time. You will be given the name and phone number of the Authorized Dealer Contact at the dealership. Speak only with the Authorized Dealer Contacts, because they are the only people authorized to give you the Costco Member Only Price. If I submit a vehicle request, am I obligated to purchase from the Costco Authorized Dealer? No, of course not. Although many members do end up purchasing vehicles because of the programs exceptional value, you are not required to take delivery, or to promise to take delivery, in order to get pricing information. However, to be sure you receive Costco quality pricing and service, you need to speak only with our authorized contact at a dealership to where we referred you. Can I lease a car through the Costco Auto Program? Absolutely. The Costco Auto Program dealer will offer you the same price for a lease as for a purchase. In leasing, the Agreed Upon Value of the Vehicle is equivalent to the Member-Only Sale Price in a purchase. The monthly payment amount is determined by a variety of other factors. For more information, visit our Leasing versus Buying section under Vehicle Pricing and Research. What if the dealer doesnt have the car I want? Our dealers will explain the choices available to you when you are selecting a vehicle. If an acceptable vehicle is not available from dealer inventory, the dealer may offer to trade from another dealer or factory-order one for you. Trading with another dealer may incur an additional charge, which will depend on the individual circumstances. The dealer will advise you of the charge before you commit to the trade. Can I factory-order my car? Yes. The dealer will explain the process when you are selecting a vehicle. Some dealers receive allocations of vehicles from the manufacturer, and may not be able to guarantee that the vehicle as you describe it will be built. In those situations, the dealer may be able to reserve an incoming vehicle for you, but it still may not be an exact match, and it could take a couple of months to arrive. Regardless of the brand, you generally are entitled to any rebate or special rate financing that is available on the day of delivery. If the manufacturer changes the offer between the dates of order and delivery you receive what is available the day of delivery. Does the Costco Auto Program offer pricing for used cars, too? No, not at this time. What is the invoice price? The manufacturers invoice price is sometimes called dealer cost, and commonly refers to the amount paid by the dealer to the manufacturer for a particular vehicle, including any options, advertising, destination and holdback charges. What is holdback? Some manufacturers pay dealers holdback for the sale of vehicles the manufacturer has delivered to them. The funds are called holdback because it is money that the manufacturer holds for the dealer and pays back every few months. The amounts are generally 1-3% of the total invoice. Holdback is sometimes described elsewhere as hidden profits for the dealer. Holdback is one of the factors considered when negotiating pricing with the Costco Auto Program participating dealers. How does using the Costco Auto Program affect my trade-in? It doesn't. To learn how Trade-ins work, visit Car Research on this site. You also can use this section to estimate your vehicles trade-in value. How is my trade-in figured into the deal? The Authorized Contact will tell you how much the dealership will give you for your trade. You can accept it, or sell the vehicle on your own. The Trade-ins section can help you decide. If you do decide to trade, the value of your trade-in is applied to your purchase in the manner required by law in your particular state. Leasing/Buying info and tips:  INCLUDEPICTURE "http://www.costcoauto.com/images/discounts/leasing.gif" \* MERGEFORMATINET  Traditionally, leasing vehicles was popular with self-employed people and businesses who treated the vehicle as an expense, not as a personal car. Consumer leasing exploded in the 1980s, and at one point, almost a third of all new car deliveries were leases. The market has moved back to purchasing; last year approximately one-quarter of all new cars delivered were leased instead of purchased. Auto manufacturers, finance companies, banks and credit unions all offer consumer leasing programs. In the 1990s, the Federal government regulated the industry by requiring all lease agreements to follow the same standards, regardless of the bank (the lessor). The regulations benefit consumers and have helped leasing remain a popular option, because consumers can compare lease deals easily and fairly. As attractive as it may be, leasing may not fit everybody's needs and lifestyles. The following information will help you decide whether leasing or buying is the best option.  INCLUDEPICTURE "http://www.costcoauto.com/images/discounts/differance.gif" \* MERGEFORMATINET  With leasing, you only pay for the portion of a vehicle's original value that you "use," which is the amount by which it depreciates over the term of the lease. For example, if you lease a car that costs $20,000 but is worth $12,000 after 36 months, you pay for the $8,000 of the value you used, plus interest. When you buy, you pay for the entire car. This is why leasing offers significantly lower monthly payments than buying. Interestingly enough, the amount that two similarly priced cars depreciate over the same length of time can vary quite a bit. For example: Brand A and Brand B each offer a 6-cylinder sedan that sells for $20,000. The Brand A model is worth $10,000 at the end of three years, and the Brand B model is worth $12,000. Assuming everything else is the same, the payment for the Brand A car will be significantly higher than for Brand B. The actual payment also can vary from lessor to lessor. The Brand A vehicle could have different payments from different banks because each lessor uses their own method of determining the cars future value. If one lessor thinks it will be $10,000, and the other $10,800, then the second one will have a lower payment (with everything else the same.) To compare, factors that affect how much the payment will be include: allowable mileage/year, service or rent charge (fee for use of the money), how long the lease will be, the future value of the car and the acquisition fee (paid to the bank at inception). Factors that dont affect the payment, but could still affect your wallet, include the mileage charge for any miles over the allowable amount and any security deposit requirement. The lease agreement will show that the payments are made up of two parts: a depreciation charge and a service or rent charge. You pay the lessor for the loss in value of its asset, as well as the charge for the use of the money. Loan payments, similarly, also can break into two parts: a principal charge and a finance charge. The principal charge pays off the vehicle's original purchase price, while the finance charge is interest. Loan payments satisfy the interest first. The remainder contributes to the principal and creates equity. Equity is the amount of your car's value you keep after the loan has been satisfied. Leasing resembles buying, but without the equity. You only pay for what you use. It's true that you dont own the vehicle during a lease, and its also true you are not paying to own it. To compare a lease and a purchase, when leasing you basically have the choice of getting more car for the same payment, or a lower payment for the same car.  INCLUDEPICTURE "http://www.costcoauto.com/images/discounts/better.gif" \* MERGEFORMATINET  Deciding between a purchase and a lease is generally more of a lifestyle question than a financial one. Leasing tends to benefit people who regularly get a new car, every three to four years or so, and who prefer to not worry about any major mechanical repairs. Most lease cars are covered by the manufacturers warranty for the term of the lease. Leases typically require small amounts of cash at inception, usually the first payment and a security deposit. The down side is the condition and the insurance. People who lease need to be aware of mileage charges that can occur, and to return the vehicle in good shape. Each leasing company has its own idea of what constitutes good, but, suffice it to say, broken or missing parts and collision damage will result in additional charges. The leasing company may require insurance coverage greater than what a buyer would normally carry, and that can add to the expense of leasing. Purchasing tends to benefit people who keep their car for a long time, or drive a lot of miles, and have a downpayment or a trade. In the beginning, the owner absorbs the immediate depreciation of the vehicle. If they properly maintain it, the car could last for years beyond the payments, and reward the owner with payment-free miles. Haggling: Negotiate Up From The Invoice PriceNegotiate up from the invoice price, not down from sticker price. MSRP is an ambiguous figure that you can ignore, unless you're looking for a vehicle in short supply. Demand for a newly-introduced auto (usually a sports car) may easily outstrip supply, and dealers are under no obligation to sell any vehicle for less than MSRP, especially one that's hard to find. They'll only do it if they can't otherwise sell the car. And that's the case with you, the smart car shopper. You already know the invoice price from your research. You're aware of the 2% to 3% holdback the dealer will receive from the manufacturer when the vehicle is sold. High-volume dealerships qualify for additional manufacturer discounts, making them more willing to sell vehicles near invoice. You'll need to allow the dealer to add some gasoline and advertising costs (usually $200-$400) to their invoices totals, and you're willing that they should make a reasonable profit (roughly $500 on $25,000). Get favorite dealer distraction topics out of the way by mentioning that you might get your financing from the dealer but you're also looking around; and that you might trade in your car but haven't decided yet. Repeat that your interest is in their asking price, based on dealer invoice. If you negotiate up from dealer invoice, as suggested, the actual price negotiations shouldn't take long. Don't offer higher bids unless the dealer reciprocates with lower prices, and keep your price increases under $100 a crack. Know your target price, and be prepared to walk if you meet a negotiating wall. Take your salesperson's card and leave your card; repeat that you want to buy in the next few days; and go to your next appointment. Used Vehicles: A Higher Price Is Not Necessarily Better (Or Worse) - Negotiating for a used car is similar to new vehicle negotiations except that there's no dealer invoice. Although dealers itemize every single expense resulting from refurbishing a used vehicle, they don't show you that worksheet. Franchised dealers make their biggest profits from used vehicles. On the plus side, they usually have the cleanest, lowest mileage used cars, and often offer factory certified used vehicles (a manufacturer's certification is usually as good as most  HYPERLINK "http://www.safecarguide.com/gui/war/idx.htm" third party extended warranties). Smaller, non-franchised, specialist dealers don't make nearly as much profit, but their expenses and overhead are significantly less. Their warranties are not generally as good, and they may not have repair facilities. Successful Negotiating depends on your knowing the fair market value of the vehicle you're interested in. Come equipped with your mechanic's report. You are at a slight disadvantage here because the dealer knows your mechanic has approved the purchase; but you know of other cars if this deal doesn't work out. So haggle. Knowing what fair market value is, you could offer 85%, and stop at 90%; or you could start with subtracting 100% of the repair cost from the asking price, and haggle up to 50% of the difference (the price difference between the asking price minus repair estimate and the fair market value minus the repair estimate). Acceptable Deal Best Deal Dealers Asking Price $8000 Fair Market Value $7400 Repair Estimate : - $1200 Repair Estimate : -$1200 Sub Total $6800 Sub Total $6200 Try to negotiate the $600 difference Show the dealer your mechanic's estimate. If you're buying a car with an asking price of $8,000 dollars (with a fair market value of $7400) and your repair estimate is for $1200, I suggest offering the dealer $6,200 to start with. Don't offer more money unless the dealer comes down an according amount. Keep your increments to no more than $100 a shot. If you don't have an agreement when you reach your limit, walk, politely, leaving your phone number, and go see the next candidate.The Business Manager (or Finance Officer) - After you've negotiated a price for your vehicle, most salespeople will escort you to the dealer's business office to sign your final sale or leasing contract. At smaller dealers, the sales manager handles this job as well. The title is irrelevant. The function of this step is to try to get more money from you. Most of a new-car dealer's profit is earned by these well trained, highly paid and very successful super salesmen. Watch out! Refuse the insurance coverage and dealer installed extras (like paint sealant, rust proofing, VIN# etching, electronic corrosion prevention, pin striping, fabric protection, and alarm systems) that the manager suggests. These extra-cost add-ons constribute nothing to the value of your car at trade-in time, and exist only to fatten the dealer's profit at your expense. No conclusive evidence exists that any of these protective add-ons actually work, while aftermarket remote-starters and alarm systems can butcher your car's electrical system. The last place you want to buy insurance is from an auto dealer. Unless you're buying used, decline the extended warranty as well. If you need an extended warranty, keep in mind that the price of coverage is negotiable ( HYPERLINK "http://www.safecarguide.com/gui/war/idx.htm" see  HYPERLINK "http://www.safecarguide.com/gui/war/idx.htm" Warranties Explained). If you're buying a new vehicle with a manufacturer's special financing plan (0% to 3.9% APR), make sure the price you negotiated shows up on your sales contract. Dishonest dealers may try to insert the MSRP instead of the price you agreed upon. Double check the dealer's math as well, mistakes happen all the time. Your Trade-In - If you've decided to trade your car in, rather than  HYPERLINK "http://www.safecarguide.com/gui/old/idx.htm" donating or selling it privately, now is when you can finally discuss your trade-in. If you've followed my advice you know what it's worth both wholesale and retail. You have an idea of how much hassle it would be to sell it through the newspaper, and how much satisfaction it would (or wouldn't) give you to donate the car to a charity. Knowing all this, you should have a good idea of what price the dealer will offer you for your trade-in. It's time to discuss dealer financing wiht the business manager or finance officer. You already should know what you can get via  HYPERLINK "http://www.safecarguide.com/gui/fin/idx.htm" third-party financing. If the dealer can offer you better terms, take them; if not, no problem. The Leasing Manager - Same as with the business manager. Decline all extras. If you haven't already read  HYPERLINK "http://www.safecarguide.com/gui/lea/idx.htm" Leasing Explained, do so now. What Else Should You Know Before Negotiating? - There is more money available to play with than your salesperson will admit to. Not all of the items below are negotiable, however they all add up to additional hidden profits for the dealer. Several thousands of dollars can be made by a shrewd dealer who sells a car "at invoice". As a friend of mine says, "a sucka needs to know!" Holdback- Manufacturers pay a hidden financial incentive called a holdback to their dealers when a new vehicle is sold. Most dealers finance their inventory through the financial arm of their manufacturer, or through a local bank (called a floor plan). Manufacturers return the interest the dealer has to pay on those loans by issuing them a "holdback" check every 90 days. The amount is based on the MSRP or retail invoice - less destination charges, and averages between 2% and 3%, depending on the manufacturer. Since most dealers rotate their inventory in less than 90 days, the holdback more than covers their finance charges, and ends up as additional profit to the dealer. Cars that remain on the lot longer than 90 days starting eating into that profit, so dealers try to move those cars first. To see how dealer holdback can effect your deal and to view current holdback percentages see our  HYPERLINK "http://www.safecarguide.com/gui/neg/holdback.htm" \t "_self" Holdback Page. Carry-Over Allowances - Domestic manufacturers traditionally offer their dealers cash incentives, or discounts, to purchase end-of-model-year vehicles. When new 2001 models start arriving at dealers, in-stock and previously ordered 2000 model-year vehicles are considered to be carry-over vehicles and are eligible for the incentive which ranges from five hundred to several thousand dollars, depending on the vehicle. Although they're not required to, dealers usually pass some of this savings on to customers in the form of special year-end clearance sales. Keep in mind that carry-over allowances are in addition to rebates and other manufacturer to dealer incentives. As with most other behind the scenes payments, don't expect your salesperson to acknowledge it, some dealers don't let their salespeople know about them either. Dealer Incentives - Manufactures offer their dealers special incentives on stagnant inventory during different times of the year. As with carry-over allowances, the biggest incentives occur at the end of the model year, although some older models scheduled for replacement or euthanasia may be eligible as well (current incentives range from $500 to $6000). The best source for researching current manufacturer-to-dealer incentives is Edmunds. As with all "secret" manufacturer to dealer incentives, they must be factored in separately from any manufacturer rebates. Dealers are not required to pass incentives on to the consumer, they are a "secret" manufacturer-to-dealer discount. Rebates are entirely different, they are an "advertised" manufacturer-to-consumer discount. Packs - Dealers take the total of their advertising budget, utility bills, and insurance payments, divide it by the number of cars sold in the previous year, and come up with a per-vehicle overhead charge that is "packed" or added into the price of every vehicle. Packs range from $300 to $500 per vehicle (depending on the market) and are generally non-negotiable just like dealer holdback payments. Some dealers only charge for advertising, or split up the overhead in different ways. It doesn't really matter how they do, you'll end up paying for it either way. Special Manufacturer's Financing and Rebates - Before you go shopping, look at Rebates, Incentives & Special Financing on  HYPERLINK "http://www.safecarguide.com/gui/res/idx.htm" Internet Resources, to find out if any of the models you're looking at gets a rebate. Some manufacturers offer you a choice of taking special low financing (currently as low as 0.0%) instead of a rebate if you qualify. We STRONGLY suggest getting your financing first, then applying the Manufacturer's Rebate to your purchase price. Combining a manufacturer rebate with pre-approved financing through someone like or HYPERLINK "http://www.qksrv.net/click-934656-1610902" \t "_top" PeopleFirst.com INCLUDEPICTURE "http://www.qksrv.net/image-934656-1610902" \* MERGEFORMATINET  (both highly recommended) is a great way to maximize your savings. INCLUDEPICTURE "http://ad.linksynergy.com/fs-bin/show?id=XrhiBNDBMcw&bids=30958.10000042&type=3&subid=0" \* MERGEFORMATINET  Rebates and special financing are factory sponsored discounts intended to give new-car buyers a deal on slow-moving inventory. However, some unscrupulous dealers see them as icing on the cake, and may try to tell you there isn't one when in fact there is. If a dealer successfully shields the existence of a rebate from a qualifying customer, the dealer gets to keep it. Speak up about any rebates or special financing you know about. Certain manufacturers (Chrysler, Ford, & GM) are currently offering the highest rebates in their history ($500 to $3500) on slow moving inventory, so now is the time to take advantage of them. You'll rarely see a rebate on a hot-selling car, because they don't have to offer one; the car is selling itself. Do Your Research Before You Go To Negotiate With The Dealer! - When the time comes to negotiate the price, do so BEFORE you discuss the  HYPERLINK "http://www.safecarguide.com/gui/fin/idx.htm" financing, BEFORE you admit you have a  HYPERLINK "http://www.safecarguide.com/gui/old/idx.htm" trade-in, and BEFORE you subtract your rebate. Some dealers try to charge MSRP (Manufacturer's Suggested Retail Price, or sticker) instead of fair market value (or negotiated value) for vehicles with rebates. The dealer may lead you to believe that the factory-to-customer rebate is part of their dealer's discount, subtract it from the MSRP, and announce that negotiations are over. Don't fall for this. The dealer's holdback already takes care of the dealer. The rebate is part of your down payment, and is not to be taken off the MSRP. The same goes for first-time-buyer and college graduate incentives.Don't let the dealer take manufacturer's money meant for you. If you have ample cash on hand for your down payment (at least 20%), the special (1.9%) financing could save you money over the course of your loan. If you are short of cash for your down payment, you'll probably want to apply the rebate to the down payment. Again, make sure the rebate is applied as a cash down payment, and not just subtracted from the MSRP. A deal with a rebate should be written as follows: the dealership adds up the negotiated purchase price, applicable taxes, license fees, document fees, etc. into a grand total. Then your down payment, including the rebate and any cash you submit, is subtracted from that total. The resulting balance will be your final price (the amount due at delivery or amount to be financed). Is There A Good Time To Buy A Car ? - The best time to buy a car is when you're ready to buy it. However, dealerships track their sales on a monthly basis, so purchasing at the very end of the month may get you a better deal. Don't fall for the special sales advertisements you see in the paper and on TV, with the exception of year-end model closeouts, which can be a good deal -- if you plan to keep the car more than four years. Otherwise depreciation erases your savings: as soon as the new model comes out, yours is officially one year old; when you've owned it a year, it's depreciated two years' worth. Trading in your car - This means selling your car to the dealer you're buying from. Dealers like trade-ins; they're icing on the cake for many profitable deals. As I suggested in  HYPERLINK "http://www.safecarguide.com/gui/dea/idx.htm" Dealing with Dealers, don't admit you have a trade-in until AFTER you negotiate the price of the vehicle you're buying. The value of factory rebates or low APR financing can easily be erased if your trade-in enters the picture too early. That's because if they know you have a trade-in, they will tell you they plan to give you a thousand dollars for your car, when they were actually prepared to give a thousand dollars off the list price as part of normal bargaining, even with a customer who had no trade-in. The first step is to make sure it looks like a car you would want to buy. Unless you have experience in car detailing, spend the $100 to $150 for an appointment with a professional car detailer. Any auto worth $1000 or more will benefit from a doll-up. If you're really thrifty (cheap), take it to a carwash that features interior cleaning. For less than $20 your car may look good enough to increase its trade-in value at the dealer. The idea behind all this cleansing is to give the dealer's used-car appraiser as little reason as possible to deduct for a dirty, mistreated car. Remove all personal papers and items from the car's interior and glove box. Leave maintenance receipts, warranty contracts, and owner's manuals in the glove box. Make sure your detailer cleans and vacuums your trunk. If you still have them, include your jack and spare tire too, but remove your jumper cables as they may give the appraiser the wrong impression. If you have a mechanic, see if he can give the car a once-over before you go to the dealer. Sometimes squealing belts and minor leaks can be fixed temporarily without a large expenditure. I do not recommend any major repairs. Save your money for your new vehicle. When taking in a trade, the used-car manager assesses the condition, age, and mileage of the vehicle to estimate how much the car would bring at a wholesale auction. He then deducts the expense of auctioning the vehicle (typically $300). That adjusted amount becomes your trade-in value. That amount is deducted from the price you've negotiated, to determine your final price. Because you're getting wholesale value for your trade-in, the amount will be significantly lower than you might get by selling the car to a private party.However there are two advantages to trading in your old car. Most states collect sales tax only on the difference in cost between the trade-in value and the price of the new car. This helps narrow the gap between the actual (wholesale) trade-in value and what you might get if you sold it privately. In addition, there are no advertisements to pay for, and no annoying phone calls, window shoppers, test-drives, or potential lawsuits to deal with. Once the car is given to the dealer and the paperwork is signed, it becomes their problem. Buying vs Leasing: Leasing Explained HYPERLINK "http://www.qksrv.net/click-934656-8809612" \t "_top"  Loans versus Leases - Loans enable people to buy things. A lease is a rental agreement. Once you make all the payments on an installment loan, you actually own your car; whereas, when all the payments are made on a lease, you own nothing. Before you lease, we STRONGLY suggest using a  HYPERLINK "http://www.qksrv.net/click-934656-9289743" \t "_blank" loan payment calculator INCLUDEPICTURE "http://www.qksrv.net/image-934656-9289743" \* MERGEFORMATINET  so you know what the payment would be if you decided to finance (purchase) the vehicle instead of leasing it. You'll quickly see how changes in rate, purchase price, term, and down payment can effect loan payments. Those same factors will effect your leasing payments as well. Who Should Lease? - Leasing began as an economical way to provide vehicles for business use. Today it's a way for private individuals to drive more car than they can afford. A significant portion of the new Mercedes-Benz, BMW, and Lexus vehicles on the road are leased. If you are a small business owner, or use your vehicle exclusively for business, leasing may be a good idea. However, if like most Americans you can't deduct lease payments from your taxes, I can't recommend it. As a rule, the cycle of ownership costs less than the cycle of leasing. In other words, once all the fees are added up, you'll pay less to buy a new car you'll own than to lease a car you won't. Dealers will tell you that a lease is good for people who want to drive a new car all the time. Leasing also appeals when people want lower monthly payments and want to drive something they can't otherwise afford. I say it's not worth it unless you have money to burn. You have all the responsibilities of ownership with none of its advantages. The vehicle is owned by the finance company, yet you are responsible for maintenance, repairs and insurance. Leases limit the number of miles you can drive: if you drive over 15,000 miles a year, your odometer becomes a cash register for the finance company. The only financial advantage of leasing for anyone (other than business use) is that state sales tax need only be paid once a month, as it's based on the amount of each monthly lease payment. If you buy a car it must be paid all at once and is usually rolled into the loan. New Problems For Potential Leasing Customers - Millions of car leases financed by banks are expiring just as domestic new car prices appear to be falling. In 1998 only 38% of lease customers turned in their vehicles at the end of the lease. Due to aggressive pricing and rebates offered by domestic automakers that percentage has risen to over 56% this year and third party financiers (banks and finance companies) are panicking. The result is a gap between what banks expected the vehicles to be worth and what they're actually fetching at wholesale dealer to dealer auctions. In 2000 that gap cost banks about $2,000 per vehicle. This year (2001) losses are expected to rise to between $2,500 & $3,000 per vehicle. Major financing companies like GE Capital and First Union have eliminated their leasing programs altogether while Chase, Bank of America, and Bank One are significantly scaling back their operations. For the leasing customer the result is that fewer banks are willing to lease, and the cost of the available leases is significantly higher. In the past, car dealers could chose between four or five different leasing sources. The current situation limits their choices to one or two and the manufacturers own leasing programs offer better prices than the third party resources that remain. The reason is that the manufacturer's financing companies (Ford Credit - GMAC - DC Credit) aren't suffering nearly as much because their leasing losses are offset by the profits made when the vehicle was sold initially. Losing money on lease turn-ins is seen as a normal part of doing business for the Big Three. Leasing's Hidden Costs- Your contract outlines the condition a vehicle must be in when you return it. Dings and scratches must be professionally repaired, broken cup-holders must be replaced, cigarette burn-holes must be eliminated, all 4 tires must match. You will be charged list price for any repairs or replacements, in addition to your termination (vehicle return) fee. Things you might never repair if you owned the car may have to be fixed before the end of the lease. A Lease Is A Contract- Basically a lease is a contract in which monthly payments are made to a leasing agent in exchange for the use of the vehicle for a predetermined (24, 36, or 48 months) amount of time. Unlike financing, where the payments are based on the entire cost of the vehicle, lease payments are calculated to cover only the estimated amount of depreciation, plus interest. You're only paying for the depreciated (used up) portion of the car's original value, not the entire selling price. It's comparable to renting an apartment instead of owning a house. Early Termination - Salespeople may tell you it's easy to end the lease before your contract expires, but don't believe them. A leasing contract is difficult and expensive to terminate early. Your credit will be ruined, and you can be sued for breach of contract if you don't pay the stiff penalties assessed. There are lots of customers driving unwanted leased cars they can't afford to turn back to the bank. Dealers will gladly pay your penalties and buy you out of your current lease, but the premature turn-in fees ($1000 or more) will be added on to your new loan or lease payments. Don't even think about leasing unless you can keep a vehicle for the entire term of your contract. Negotiate For the Car and Financing Separately- Negotiate the price of your car separately from your leasing arrangements. A lease is a different commodity from the car. Just as you would with a loan, find your  HYPERLINK "http://www.safecarguide.com/gui/fin/idx.htm" financing before you enter into negotiations with the dealer. And don't reveal that you intend to get your leasing elsewhere until you've finalized the vehicle's price. Manufacturer's Rebates - Before you go shopping, find out if there is a rebate on any of the models you're looking at. (See  HYPERLINK "http://www.safecarguide.com/gui/fin/idx.htm" Step 6.) If you go through a third party leasing company (e.g. GE Capital, Chase, or Nation's Bank), the rebate will be applied to your down payment. If you go through a manufacturer's leasing subsidiary (e.g. Ford Credit, GMAC, Mercedes-Benz Credit), the rebate is typically added to the residual value of the vehicle. Either way, you get the rebate, either at the beginning of the lease or at its end. Beware of unscrupulous dealers, who might try to tell you that leases don't qualify for the rebate. Rebates apply whether you're buying or leasing. A leasing deal with a rebate should be written as follows: the dealership adds up the negotiated purchase price, applicable taxes, license fees, document fees, etc. into a grand total, the capitalized cost. Then your capitalized cost reduction (down payment), including the rebate and any cash you submit, is subtracted from the capitalized cost. The resulting balance is your gross capitalized cost. Your lease payment is determined by the difference between the vehicle's residual value and the gross capital cost. A lower gross capital cost means a lower monthly payment for you. Make sure the rebate goes from the factory to you, not from the factory to the dealer.  HYPERLINK "http://www.qksrv.net/click-934656-8128143" \t "_top" How's Your Credit? - If you have no idea what your credit report shows, now is the time to order a 3-bureau (TRW, Equifax, & TransUnion) credit report from  HYPERLINK "http://www.qksrv.net/click-934656-6817998" \t "_top" CreditReporting.com. INCLUDEPICTURE "http://www.qksrv.net/image-934656-6817998" \* MERGEFORMATINET  See what's in your report before you speak to any car dealer or financial institution. Many people don't know what's on their credit report, but don't be surprised if your car dealer has seen it. Lenders determine the credit of a prospective borrower using data obtained from TRW, Trans Union, and Equifax. Consumers receive an A, B, or C grading based on their income, credit history, and previous debt experiences. A-rated borrowers, the VIPs of the financial world, get the lowest rates and typically qualify for most leases. B- and C-rated borrowers are not considered bad problems anymore and can usually buy a vehicle with a substantial down-payment or co-signer. However B- and C-rated borrowers rarely qualify for a lease without a very large downpayment. The Money Factor - Money factor is a purposely confusing term for the calculation of the interest portion of the monthly payment in a lease; the number must be multiplied by 2400 to get the annual percentage rate. The lower the risk for the lessor (meaning the better your credit rating), the lower the money factor. Used Car Leasing - Since the majority of depreciation occurs during the first 18 months of a vehicle's life, used-car leasing makes more sense than new-car leasing. You save money because the lease payments are based directly on the amount of depreciation that occurs during the term of the contract. Lenders, however, consider used vehicles more of a risk than new vehicles and often charge a higher money factor (interest rate) to lease them. Used-car leasing began with a handful of manufacturer-driven lease programs on some high-end luxury cars and SUVs. It now accounts for over 15% of all automobile leasing activity, and the amount is growing every year. Manufacturers see it as a profitable way to unload the millions of vehicles returning from new car leases, as they get to lease the same vehicle twice. Make sure to find out the cost of leasing the same model new before considering a used-car lease. A vehicle 24 to 36 months old is your best candidate. Look for low-mileage vehicles, as their residual value will be higher, keeping your monthly payment lower. The devaluation of a vehicle accelerates as it reaches its 5th birthday, so keep the lease to two or three years max. It's also wise to see if an extended warranty applies. If not, consider a term equal to the length of your lease, or get the dealer to offer you an extended warranty at a discount. Residual Value - A car's residual value is the largest contributing factor to the cost of a lease. Residual value is the amount it will be worth at the end of the lease. Depreciation is the difference between the selling price and the residual value estimated by the leasing company, expressed as a percentage of Manufacturer's Suggested Retail Price ( MSRP). If the market likes a vehicle (for example the Toyota Avalon, Ford Explorer, Lincoln Navigator, Honda CR-V), it will have a higher than average residual value. Cars with lower perceived values (Contours, Metros, Neons, and most Hyundai's) have low residual values. Lessors use  HYPERLINK "http://www.alg.com/" ALG (Automotive Lease Guide) residual guides to determine the value of vehicles 24, 36, 48, and 60 months old. Before you lease, check out the residual values of the cars you're considering at the  HYPERLINK "http://www.edmunds.com/" Edmunds,  HYPERLINK "http://www.kbb.com/" Kelley BlueBook, or  HYPERLINK "http://www.carwizard.com" CarWizard websites. Your bank or credit union may have a copy of the  HYPERLINK "http://www.alg.com/" Automotive Lease Guide, which reviews residual values in greater detail. Usually depreciation eats up 20-30% of a vehicle's value during the first year, and another 15% during the second. In general, lower depreciation gives a higher residual value, which means a lower monthly payment for you. A vehicle's perceived value leads directly to its wholesale (dealer-to-dealer) auction value. In an effort to move more new cars into the market, some new-car manufacturers subsidize artificially high residual values in order to offer low monthly lease payments. Ford Credit reportedly lost millions of dollars on early groups of Ford Tauruses and Contours coming off lease. The flooded marketplace reduced their wholesale values to the point where the vehicles were worth markedly less than their original residual estimates. If the residual value estimate is too high (as in the case of Ford), the lessor loses money because the lease was structured to repay a set amount of depreciation. Don't hold your breath, Ford isn't going to make the same mistake twice. Closed-End And Open-End Leases - In a closed-end lease, the residual value is pre-determined. At the end, you pay for any extra mileage or damage you put on the vehicle. With an open-end lease, the residual value is determined when you turn the car in at the end of your contract. If it's worth less than the originally-estimated residual, you come up with the difference. If it's worth more, the leasing company pays you the difference. You still pay for any extra mileage and damage. Don't count on a check at turn-in time; there's a good chance you'll have to come up with additional cash instead. For this reason I don't recommend open-end leases, even though the monthly payments may be lower. Read The LeaseContract - Stop by some dealerships and private leasing companies and obtain a few blank leasing agreements (some dealers won't give you one, so keep trying). Each leasing company will have their own customized contract, and you'll need to read each one. If you have trouble reading small print, now is the time to buy a magnifying glass, you'll need it. Most contracts forbid travel out of the Continental US, while others may limit interstate travel. Some contracts require more insurance than normally required in an installment loan agreement. Take a look at a Mercedes-Benz Credit  HYPERLINK "http://www.mbcc.com/cars/index.html" leasing agreement. If all leasing contracts looked like this, most leasing fraud would be eliminated. If you're unsure of any terms or legal language, ask your accountant or attorney to review the contracts with you; don't get your legal advice from a salesperson. Thousands of dollars can be lost by misinterpreting a term or calculation contained in the contract. A hundred dollars spent on legal advice at this time can buy you peace of mind for the duration of your contract. You'll be wise to develop your own basic knowledge of leasing contract terminology, calculations, and fees. Anticipate Fees - Many advertised leasing deals require substantial capital cost reductions (cap reductions, or down payments) in order to get the advertised monthly payment. Most don't include your inception fees or your sales tax, and you'll almost never see the money factor (interest rate) shown. Don't fall for the "0 DOWN" come-on. Don't think for a minute that the dealer or leasing company is absorbing your acquisition costs. A cap reduction may not be required if you have spotless credit. But the inception fee and other dealer charges like tags and registration will be expected. Find out what fees you will owe at the end of the lease before you sign. Ask the dealer what charges are involved in early termination. Gap Insurance - Gap insurance covers situations such as the theft or totaling of the car and you end up owing more on the lease than what the car is worth. Standard insurance will pay up to the car's current value, perhaps even the replacement value. But if what is owed is more than that, you still have to pay the difference. Gap insurance will do this for you. As with all insurance policies, ask your personal insurance agent, not the dealer's leasing manager, for a quote. What You Want to See Before You Sign - Review the current rates, terms, and monthly payments before going to the dealer. (See the Leasing Information  HYPERLINK "http://www.safecarguide.com/gui/res/idx.htm" Resources Section.) Make sure you see the negotiated capitalized cost (selling price) and any deposits or trade-ins reflected on the dealer's lease worksheet. Make sure the terms and monthly payment match what is on your lease contract. Check for hidden charges contained in the contract that have not been discussed. Find out what the early termination fee is, and make sure you're charged no more than $200 for your inception fee. By law the dealer must show you all of his calculations. If he won't, assume you are being scammed and leave. Too many people are only concerned with their monthly lease payment and never question the dealer's calculations.Answers To Frequently Asked Leasing Questions: Why are lease payments lower than purchase payments? - Lease payments are based on a smaller total than loan payments. Your monthly payments are lower than buying the car, as you are only paying depreciation and interest on the car, but at the end of the lease you still do not own it. If you had bought the car, you would have some equity when the last payment was made. Who owns a leased vehicle? - When you lease a car, the dealer sells the car to the leasing company and they lease (or rent) you their car for the term of the lease. Do Dealer Holdback Incentives Apply To A Lease?- Yes, they do. Manufacturers pay a hidden financial incentive called a holdback to their dealers when a new vehicle is sold. Holdbacks are paid out whether the vehicle is leased, financed, or bought with cash. The amount is based on the MSRP (retail invoice) and averages between 2% and 3%, depending on the manufacturer. Holdbacks ensure that dealers in competitive markets who are forced to offer vehicles for "dealer invoice" still make a small profit.(Note: not all manufacturers pay their dealers a holdback, so make sure to  HYPERLINK "http://www.edmunds.com/advice/incentives/holdback/index.html" check if your dealer is getting the holdback before negotiating a price on your leased vehicle.)High-volume dealerships qualify for additional manufacturer discounts (in addition to holdback incentives), and are usually willing to sell vehicles at or near invoice. Does The Selling Price of the Vehicle Affect My Lease Payment?- Salespeople will tell you "the selling price of the vehicle is not important if you lease." Not the case. The lower the cost of the vehicle, the lower the gross capital cost is to the leasing company. Your lease payment is determined by the difference between the vehicle's residual value and the selling price. So a lower gross capital cost means a lower monthly payment for you, regardless of depreciation. You must negotiate the selling price on a lease, just as if you were purchasing the vehicle. Does Depreciation Affect My Lease Payment?- It's common to find two different vehicles with the same selling price but with substantially different leases. (Make sure you compare leases with the same terms, as leases with different terms should have different payments.) Just as the selling price affects your lease payments, depreciation plays an equally important role. A vehicle that depreciates at $100 per month will have a lower monthly payment than one depreciating at $150 per month. Picking a slowly devaluating car is critical to obtaining both a good rate and a superior lease. Lower depreciation leads to a higher residual value, which means a lower monthly payment for you. What About Factory-Subsidized Leases? - Factory-subsidized leases reduce the cost of leasing a vehicle the same way factory rebates do. Subsidized leases may apply a rebate to the residual value of the vehicle, like a normal factory rebate, or may contribute cash to lower the lease's money factor.Check out current manufacturer's leasing subsidies at Edmunds. Leasing Terms Summarized: Capitalized Cost: Everything with a dollar value covered by the lease; the amount to be financed. Capitalized Cost = Vehicle Price + Fees + Taxes. Capitalized Cost Reduction (aka Cap Reduction): A down payment used to reduce your capitalized cost. Disposition Fees (Termination Charges): Fees charged at the end of leases, covering turn-in, removal, and auction expenses. Gap Insurance: Covers situations where you end up owing more on the lease than the car is worth, in the event of a catastrophe such as a theft or total loss of the car. See  HYPERLINK "http://www.safecarguide.com/gui/ins/idx.htm" Insurance. Inception Fee (Acquisition Charge): A charge for filling out and processing your lease paperwork (should be between $100 and $200). Money Factor: A number used to calculate the interest portion of the monthly payment. Money factors look like .0033. Multiply that number by 2400 to get the true APR. In this case, it is 8%. Residual Value: The anticipated market value of the vehicle (what it can be sold for when it is returned) at the end of the lease, as determined by the leasing company. Capitalized Cost minus Depreciation = Residual Value Term: The length of the lease in months. Unlucky 13 Leasing Pitfalls To Be Aware Of : 1. Lemon Laws don't apply to leased vehicles in most states. 2. You are required to maintain the car that you do not own. You must pay for all maintenance (oil changes, tune-ups, brakes, tires, hoses) and non-warranty repairs for a car . 3. Make sure to add sales tax onto advertised lease payments. The lease payments they quote you may not include sales tax. If not, then the sales tax will be added to each monthly payment. Most states tax your monthly payment. But some states reportedly tax the full amount of the car even though you are only using up 50% of the value then returning it. Double check the current sales tax situation if you live in Illinois or Texas. 4. All 4 tires on the vehicle must match when you return it. You will be charged list price to replace a set of mismatched tires. This could add $600 or more to your termination (vehicle return) fee, which may be a few hundred dollars. 5. You will be charged ten to fifteen cents for every mile you drive over a pre-set limit, usually 12,000 to 15,000 miles per year. If you drive more than 15,000 miles a year, don't lease. 6. Leases are difficult and expensive to terminate early. The penalties are stiff, and there's no way to avoid them. 7. Your lease payments may not be that much lower than if you bought the car, especially on a longer lease. Whatever advantages may be gained from leasing are lost when the term extends to four or five years. 8. Take it for granted that the savings will not be as great as the salesman will lead you to believe. 9. You may have to get expensive auto insurance. Some lenders require you to purchase comprehensive and collision insurance with a $0 deductible. Higher liability limits may also be required. Check with your insurance agent before you lease. 10. If you get in an accident, your collision insurance (mandatory) will cover the repairs, but not your lease payments, taxes, or fees. If the vehicle is totaled, you'll need  HYPERLINK "http://www.safecarguide.com/gui/ins/idx.htm" gap insurance in order to be able to pay off the lease and the residual value of the vehicle. Read your contract carefully, as your obligations will vary from contract to contract. 11. If you move to another state, be prepared to pay some of your acquisition fees all over again. At a minimum, new tags, registration, and insurance will be needed. Some states might require you to repay a portion of the sales tax your already paid in another state. See what the rules are before you consider moving with a leased vehicle. 12. Most contracts prohibit you from leaving the country, and some prohibit you from leaving the state that the vehicle is leased in. 13. With most loans the sales tax is added on to each month's lease payment. However if you live in Illinois or Texas, you may be taxed on the total amount of the capitalized cost, or purchase price of the vehicle. Different Sedans on the market (Nissan, Honda, Toyota): 25-30,000 range: New CarsMakeModelBase Price*TypeHonda HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;015868;NJ035&07920;sed;&318;Honda;2005%20Accord;25000-29999&n;2005%20Accord;S;5;5&sed&&&&newcarstab" 2005 Accord25015 - 29215SedanNissan HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;035528;NJ035&07920;sed;&318;Nissan;2005%20Altima;25000-29999&n;2005%20Altima;S;5;5&sed&&&&newcarstab" 2005 Altima27510 - 29760SedanNissan HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;258669;NJ035&07920;sed;&318;Nissan;2005%20Maxima;25000-29999&n;2005%20Maxima;S;5;5&sed&&&&newcarstab" 2005 Maxima27760 - 27760SedanToyota HYPERLINK "http://tran1.kbb.com/kbbConsumerNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=CAMRY%20XLE%202554%20Sedan%204D%20%28Auto%29&vyear=2005&vmodel=Camry&PVC=&KarId=05TOXB_X6A&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M1A17&mcode2=&prtype=nc" 2005 Camry25945SedanHonda HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;499504;NJ035&07920;sed;&318;Honda;2004%20Accord;25000-29999&n;2004%20Accord;S;5;5&sed&&&&newcarstab" 2004 Accord25990 - 28890SedanNissan HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;742305;NJ035&07920;sed;&318;Nissan;2004%20Maxima;25000-29999&n;2004%20Maxima;S;5;5&sed&&&&newcarstab" 2004 Maxima27660 - 29910SedanToyota HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;745254;NJ035&07920;sed;&318;Toyota;2004%20Avalon;25000-29999&n;2004%20Avalon;S;5;5&sed&&&&newcarstab" 2004 Avalon26660 - 27480SedanToyota HYPERLINK "http://tran1.kbb.com/kbbConsumerNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=CAMRY%20XLE%202554%20Sedan%204D%20%28Auto%29&vyear=2004&vmodel=Camry&PVC=&KarId=04TOX7_X6A&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M10A17&mcode2=&prtype=nc" 2004 Camry25920Sedan 20-25,000 range: New CarsMakeModelBase Price*TypeHonda HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;926126;NJ035&07920;sed;&318;Honda;2005%20Accord;20000-24999&n;2005%20Accord;S;4;4&sed&&&&newcarstab" 2005 Accord20190 - 24315SedanHonda HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;305853;NJ035&07920;sed;&318;Honda;2005%20Civic;20000-24999&n;2005%20Civic;S;4;4&sed&&&&newcarstab" 2005 Civic20315 - 21465SedanNissan HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;264567;NJ035&07920;sed;&318;Nissan;2005%20Altima;20000-24999&n;2005%20Altima;S;4;4&sed&&&&newcarstab" 2005 Altima20160 - 24360SedanToyota HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;640073;NJ035&07920;sed;&318;Toyota;2005%20Camry;20000-24999&n;2005%20Camry;S;4;4&sed&&&&newcarstab" 2005 Camry20515 - 24165SedanToyota HYPERLINK "http://tran1.kbb.com/kbbConsumerNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=PRIUS%201224%20Hatchback%205D%20%28Auto%29&vyear=2005&vmodel=Prius&PVC=&KarId=05TOPR_B&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M7A2&mcode2=&prtype=nc" 2005 Prius21415SedanHonda HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;413983;NJ035&07920;sed;&318;Honda;2004%20Accord;20000-24999&n;2004%20Accord;S;4;4&sed&&&&newcarstab" 2004 Accord20040 - 24940SedanHonda HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;875993;NJ035&07920;sed;&318;Honda;2004%20Civic;20000-24999&n;2004%20Civic;S;4;4&sed&&&&newcarstab" 2004 Civic20140 - 22100SedanNissan HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;748203;NJ035&07920;sed;&318;Nissan;2004%20Altima;20000-24999&n;2004%20Altima;S;4;4&sed&&&&newcarstab" 2004 Altima23310 - 23810SedanToyota HYPERLINK "http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;127930;NJ035&07920;sed;&318;Toyota;2004%20Camry;20000-24999&n;2004%20Camry;S;4;4&sed&&&&newcarstab" 2004 Camry20390 - 23830SedanToyota HYPERLINK "http://tran1.kbb.com/kbbConsumerNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=PRIUS%201224%20Sedan%204D%20%28Auto%29&vyear=2004&vmodel=Prius&PVC=&KarId=04TOPR_B&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M16A2&mcode2=&prtype=nc" 2004 Prius20810Sedan )+78 : < m o Q R Z [ \ '>ABd 򩥩~l#hB*CJOJQJ^JaJph#hB*CJOJQJ^JaJph)h5B*CJOJQJ\^JaJphh[/hhB*ph333hhB*ph333#hB*CJOJQJ^JaJph333)hhB*CJOJQJ^JaJph333 hhhhi0thT1hT15>*#,8 R \ '>BI}$If $$Ifa$ dd[$\$gdgd. |}~ &'(+,IJKNOr %&'(ŽŨŽŨŽŨŽŨŽŨŽŨŽŨŽŨŽŨŽŨŽhi0th)h5B*CJOJQJ\^JaJphhCJaJ#hB*CJOJQJ^JaJph#hB*CJOJQJ^JaJph,hh5B*CJOJQJ^JaJph>}~of``$If $$Ifa$kd$$IfFq! 6    34` apof``$If $$Ifa$kd$$IfFq! 6    34` ap'ommd^^$If $$Ifa$kd$$IfFq! 6    34` ap'(,0Jof``$If $$Ifa$kd[$$IfF9 ! 6    34` apJKOSof``$If $$Ifa$kd$$$IfF9 ! 6    34` apof``$If $$Ifa$kd$$IfF9 ! 6    34` apof``$If $$Ifa$kd$$IfF9 ! 6    34` apof``$If $$Ifa$kd$$IfF9 ! 6    34` apof``$If $$Ifa$kdH$$IfF9 ! 6    34` ap&of``$If $$Ifa$kd$$IfF9 ! 6    34` ap&'(0W!!ommmmhcccccgdRgdRkd$$IfF9 ! 6    34` ap (0CDc"d"((()++++, ,!,",#,$,m,n,o,p,M-ɳɳթ|g||R|(j hlSB*CJOJQJUaJph333(jhlSB*CJOJQJUaJph333hlSB*CJOJQJaJph333(jhlSB*CJOJQJUaJph333hlShi0thT1h[/5>**jhRCJOJQJUaJmHnHuhRCJOJQJaJhR)hR5B* CJOJQJ\^JaJphh[/hT1hT1hT15>*!a%&((++M-N-O-- $IfgdR;kd $$If!634a $IfgdlSgd[/gdR M-N-O-a---------..............L/M/]/^/o/ͮͮŮͮu^u^N^h[/0JCJOJQJ^JaJ,jh[/B*CJOJQJU^JaJph#h[/B*CJOJQJ^JaJphh[/0JCJOJQJ^JaJ,j h[/B*CJOJQJU^JaJph,jh[/B*CJOJQJU^JaJphh[/CJaJ#h[/B*CJOJQJ^JaJph)h[/5B*CJOJQJ\^JaJphhlShlSCJaJ-----. $$Ifa$gdR $IfgdRVkdB $$IfP  62<34` ap .._/g/o//SJ>>J $$Ifa$gdR $IfgdRkdF$$If\P  t (634` ap(o/p////////v0w0000000000M1N1T1U1Z1[111׸יhVhFhh[/0JCJOJQJ^JaJ#h[/B*CJOJQJ^JaJph,jh[/B*CJOJQJU^JaJph2jh[/hNB*CJOJQJU^JaJphjE hNCJUVaJh[/0JCJOJQJ^JaJh[/CJaJ,jMh[/B*CJOJQJU^JaJph#h[/B*CJOJQJ^JaJph,jh[/B*CJOJQJU^JaJph//V1X1Z11SJ>>J $$Ifa$gdR $IfgdRkd$$If\P$  t (634` ap(111111a2b2t2u2222222222f3g3h3i3j333333444ҨґzhQ,jah[/B*CJOJQJU^JaJph#h[/B*CJOJQJ^JaJph,jh[/B*CJOJQJU^JaJph,jdh[/B*CJOJQJU^JaJphh[/0JCJOJQJ^JaJh[/CJaJ#h[/B*CJOJQJ^JaJph,jh[/B*CJOJQJU^JaJph,jh[/B*CJOJQJU^JaJph11w2{222SJ>>J $$Ifa$gdR $IfgdRkdW$$If\P$  t (634` ap(22j33334SJJ>>J $$Ifa$gdR $IfgdRkd$$If\P$  t (634` ap(44445, $$Ifa$gdR $IfgdRkd$$IfrIPf  t 2634` ap24444444445555 5!5+5,5-5.5555555N6O6P6Q6R6S6f6m6n6u6v6w666nn!h[/5B*OJQJ\^Jph,j!h[/B*CJOJQJU^JaJph#h[/B*CJOJQJ^JaJph,j h[/B*CJOJQJU^JaJphh[/0JCJOJQJ^JaJ#h[/B*CJOJQJ^JaJph,jh[/B*CJOJQJU^JaJphh[/CJaJ&44 5!5,5>kd$$If\P  t (634` ap( $IfgdR $$Ifa$gdR,5-5555R6 $$Ifa$gdR $IfgdRQkd $$IfP  634` ap R6S6f6n6v66SJ>>J $$Ifa$gdR $IfgdRkd"$$If\P  t (634` ap(6666666 7!7#7'7(7/7071777777777888K8L8M8nnWnnnGnhlS0JCJOJQJ^JaJ,j&hlSB*CJOJQJU^JaJph,jhlSB*CJOJQJU^JaJphhlSCJaJ#hlSB*CJOJQJ^JaJph)hlS5B*CJOJQJ\^JaJphh[/h[/CJaJ#h[/B*CJOJQJ^JaJph,jh[/B*CJOJQJU^JaJph,j#h[/B*CJOJQJU^JaJph666 7SQK$Ifkd%$$If\P  t (634` ap( 7!7#7(7077 $$Ifa$$IfVkd &$$IfP  62<34` ap 778999SMDDM $$Ifa$$Ifkd($$If\P  t (634` ap(M8Z8[88888999999999::):*:8:9:X:Y:Z:[:\:ִ~n_E2j+hlShNB*CJOJQJU^JaJphjE hNCJUVaJhlS0JCJOJQJ^JaJhlSCJaJ,j)hlSB*CJOJQJU^JaJph,jhlSB*CJOJQJU^JaJph#hlSB*CJOJQJ^JaJphhlS0JCJOJQJ^JaJ,jhlSB*CJOJQJU^JaJph#hlSB*CJOJQJ^JaJph99:::n;SMDDM $$Ifa$$Ifkd*$$If\P$  t (634` ap(\:::::::j;k;l;m;n;o;p;<<<<<<<<<<<<<==ִ~nW~,j.0hlSB*CJOJQJU^JaJphhlS0JCJOJQJ^JaJhlSCJaJ,j-hlSB*CJOJQJU^JaJph,jhlSB*CJOJQJU^JaJph#hlSB*CJOJQJ^JaJphhlS0JCJOJQJ^JaJ,jhlSB*CJOJQJU^JaJph#hlSB*CJOJQJ^JaJphn;o;<<<<SMDDM $$Ifa$$Ifkd!/$$If\P$  t (634` ap(<< =(=*=,==SMMDDM $$Ifa$$Ifkd1$$If\P$  t (634` ap(=== ='=,=-========3>4>D>E>J>K>>>>>>>>>>>]?^?p?q?|?}???җh,j6hlSB*CJOJQJU^JaJphhlS0JCJOJQJ^JaJhlSCJaJ,j+4hlSB*CJOJQJU^JaJph#hlSB*CJOJQJ^JaJph#hlSB*CJOJQJ^JaJph,jhlSB*CJOJQJU^JaJph,j2hlSB*CJOJQJU^JaJph%==F>H>J>5/&& $$Ifa$$Ifkd5$$IfrIPf  t 2634` ap2J>>>>MkdN8$$If\P  t (634` ap($If>>r?w?|?? $$Ifa$$IfQkdU9$$IfP  634` ap ?????@ @ @@@@@@@@@@@@@@@@@@@@Ґ{nfVnMEjhlSUh1hlS0Jj>hT1hlS5UhT1hlS5jhT1hlS5U hi0t5>*hT1hT15>*hlS,jW<hlSB*CJOJQJU^JaJph!hlS5B*OJQJ\^JphhlSCJaJ#hlSB*CJOJQJ^JaJph,jhlSB*CJOJQJU^JaJph,j9hlSB*CJOJQJU^JaJph??@ @@@SMDDM $$Ifa$$IfkdP;$$If\P  t (634` ap(@@@@@A8A9AwASQQLLLQQgdlSkd=$$If\P  t (634` ap(@AA%A&A'A6A7A9A:AaAbAcAuAvAxAyAAAAAAAAAB*B+B,BABBBDBEBgBhBiBvBwByBBBdCjCCCԹԮԣԘԎ{t hT1hT1hT1hT16hT1 hT15>*hT1hT15>*jkChyUjBhyUj!AhyU hyhyh1hy0JjP@hyUhyjhyUh1hlS0Jj?hlSUjhlSUhlS,wAxAAACBDBxByBBCC'D(DFFFF $IfgdT1KkdI$IfK$L$0=!!63%4a $$Ifa$gdT1K$ $IfgdT1K$gdT1CCCCC%D&D'D(D0D1DDDDDDDEE%E&EEEEEEEEEEEEEEEFF+F,FFFFzjjjjhT10JCJOJQJ^JaJ,jeEhT1B*CJOJQJU^JaJph,jhT1B*CJOJQJU^JaJph#hT1B*CJOJQJ^JaJph hChT1hT1jhT1Uh1hT10J!j(DhT1hT15>*UhT1hT15>*jhT1hT15>*U)FFFFFFFFFF;GGHHHHHHIIIIII.J/J0J1J2J3JJJJJJJJJK K'K(KAKBKbKǿǿǿǿu7jhT1B*CJOJQJU^JaJmHnHphu,jPhT1B*CJOJQJU^JaJph,jLJhT1B*CJOJQJU^JaJphhT1CJaJ#hT1B*CJOJQJ^JaJphhT10JCJOJQJ^JaJ,jhT1B*CJOJQJU^JaJph.FFIIIIIw@w6kd7P$$If!634a $IfgdT1=kdO$IfK$L$!63%4a $IfgdT1K$6kdI$$If!634abKcKtKuKK8L9L:L;La|aaabbddde_eefffDzǪǪǟhT1hT1>*hT1hT15>*\hT1 hT15\h9hT1CJaJ)hT15B*CJOJQJ\^JaJph#hT1B*CJOJQJ^JaJphhT10JCJOJQJ^JaJ,jhT1B*CJOJQJU^JaJph1I9L:L;Laabd_effhpj6mnGpJqqrsrt.uvwy${ dd[$\$gdT1gdT1gdT1^gdT1ffIgJgKgLg!k"kkkkkuu)v*v+v,v#{${%{䳙jP>:hT1#hT1B*CJOJQJ^JaJph2jZchChT1B*CJOJQJU^JaJph2j[hChT1B*CJOJQJU^JaJph)hChT1B*CJOJQJ^JaJph2jhChT1B*CJOJQJU^JaJph2jVhChT1B*CJOJQJU^JaJph,hT1hT1>*B*CJOJQJ^JaJph5jhT1hT1>*B*CJOJQJU^JaJph${%{S{T{V{W{7}Rt yssssshh $$Ifa$K$$If9kdk$$If!64a $$Ifa$9kd"j$$If!64a $$Ifa$ %{S{T{U{V{W{6}7}QRU89rsst +,56IJSTUghpqؼةةwwwwwwwwwwhy5CJOJQJ\aJhy0JCJOJQJaJ(jhyB*CJOJQJUaJph%hy5B*CJOJQJ\aJphhyB*CJOJQJaJphhyCJOJQJaJhyCJOJQJaJj|jhyCJOJQJUaJhyCJaJhy.,6JT$IfK$wkdrk$IfK$L$T0t  0 64abTTUhq^VVVV$IfK$kdl$IfK$L$T\>t 0 64abT^VVVV$IfK$kdl$IfK$L$T\>t 0 64abTوڈۈƊNJȊюҎ)*>嶦w__N hx0J5CJOJQJ\aJ.jhx5B*CJOJQJU\aJphhx0JCJOJQJaJ(jhxB*CJOJQJUaJphhxCJOJQJaJhxB*CJOJQJaJph%hx5B*CJOJQJ\aJphhyCJOJQJaJhyB*CJOJQJaJphhyCJaJhyhy5CJOJQJ\aJڈ^S $$Ifa$K$kdlm$IfK$L$T\>t 0 64abTڈۈNJȊҎD“^YYYYYYYgdx9kdn$$If!64a$Ifbkdn$IfK$L$T0 64abT >?CDǑȑ"#“ÓDE~LMՕ$%0̹ؤؤ̊ؤؤ̹ynfbnfhxhxB*phhx5B*\ph hx0J5CJOJQJ\aJhxCJOJQJaJhx0JCJOJQJaJ(jhxB*CJOJQJUaJph%hx5B*CJOJQJ\aJphhxCJOJQJaJhxB*CJOJQJaJph.jhx5B*CJOJQJU\aJph%%LU:sWMJopr $$Ifa$9kdDr$$If!64a $$Ifa$gdxgdx^gdxgdxKL]TUZ>?QR (%&567̦ͦJKLM9:vªêýееËýjphxB*Uphj ohx5U\ hx5\jhx5U\jhxU hx0JjhxB*UphhxhxB*phhx0J5\hx5B*\phjhx5B*U\ph6 %&_`hioursVWm FG[\LMIJopqrsƺՏ{k{jrhxCJOJQJUaJhxCJaJhxCJOJQJaJhxB*CJOJQJaJphhx0JCJaJ jhxB*CJUaJphhxB*CJaJphhx5B*CJ\aJphhx hx0JjhxB*Uphhx5B*\phhxB*ph'rsJ2,1d$If$If9kd:s$$If!64astϿ57IJ, 12F !Z[ab+,-np NOýðЬЬЬЬЬЬЬýЬýЬЬjhxUhxjshxB*Uph hx0JjhxB*UphhxB*phhx5B*\phhxCJOJQJaJjhxCJOJQJUaJ@Obcde01cdu #$349:`ajkJK\]{|Z[-.?@hx5B*\phhxjuhxB*UphhxB*phjhxB*Uph hx0JO|[n  *  #,^,gdxgdx9kdv$$If!64a$If/mnE[\      ) * :    "#IPQ'ŰŰŰŰhx0JCJOJQJaJ(jhxB*CJOJQJUaJphhxB*CJOJQJaJphhxCJOJQJaJ%hx5B*CJOJQJ\aJphhxCJaJhx;TUVdef   cegĺ hy5\)hy5B*CJOJQJ\^JaJph**hIhyhT1hT1hy5>*hT1hT15>* hwbK5>* hx0JjhxB*UphhxB*phhxhx5B*\ph7Ue efg$If,^,gdxgdxFfh|Ffx$If8kdv$$If!634aRS^_`mnswxy! " - . / < = B F G H N O P |!}!!!!!!!!!!!!!@"A"ǹǹǹǹhy0JCJOJQJaJjhyCJOJQJUaJhyCJOJQJaJ hy5CJOJQJ\^JaJhyhyCJaJI`ntuvwxy/ = C D E F G H O !!!!!!!!!FfOFfFf $IfA"L"M"N"["\"a"e"f"g"m"n"o"#####*#+#0#4#5#6#<#=#>#########$$$ $ $ $:%;%E%F%G%L%M%R%V%W%i%r%s%t%u%y%z%%%%%%޵ޝޝޝޝ hy5CJOJQJ\^JaJ hy5\)hy5B*CJOJQJ\^JaJph**hyCJaJhyCJOJQJaJhyjhyCJOJQJUaJhy0JCJOJQJaJ>!N"\"b"c"d"e"f"g"n"#+#1#2#3#4#5#6#=###$$$$$$ $Ff>FfFf$If $G%M%S%T%U%V%W%X%i%s%t%u%z%%%%%%%%Ff8kd$$If!634aFfە$If%%%%%%%<&=&H&I&J&W&X&]&a&b&c&h&i&j&'''''!'"'''+','-'3'4'5''''''''''''((((((((((((((((())*** * ************hy0JCJOJQJaJjhyCJOJQJUaJhyCJOJQJaJhyCJaJhyP%%%J&X&^&_&`&a&b&c&i&'"'(')'*'+','-'4''''''''FfФFf+Ff$If''((((((((((* ***************FfFfFfu$If***********++++++++++++++T,U,`,a,b,o,p,u,y,z,{,,,,!-"-,---.-;-<-A-E-F-G-M-N-O-s.t.~..........hChy0JCJOJQJaJjhyCJOJQJUaJhyCJaJhyCJOJQJaJhy@***+++++++++b,p,v,w,x,y,z,{,,.-<-B-C-D-E-F-FfFfFf\$IfF-G-N-.........FfC$If ,1h/ =!"#$% nQ͝4K|dEPNG  IHDR}`PLTE~~RQRhggBAB0..')hh\h4ɜ򻙩VxbKGDH cmPPJCmp0712HsIDATx^mC:!$uսyRAJ]V^̙~/>X>ƇcƘɮ?k?Ml6gkllھmxaG? F[_Qp!` Sؚ̚T{UΧfnE`|91w`MjLo'0:XM 43 ]Zp_7ր]oCI"+ç~z']sq|_ܛOeT?\c*F,%#@ _9\~@,!<آRNwEuCnЇnKvb9~0<=`:A)UTEU]w(BY`J(,eI[]XP2ڨa< qm|G~_a:TTQvaJ$0x 3{xz:"C^z|{^Vδ5CmKy' i-bjtX[i=J= #ذeՂfB27eIwbCTs |d-ouZqhy#XtLˊa -,X1DF 4ObT|A|wV&MoDZ=!y|w^矿=rw1g? Ǐ?+c@/b&Ltu4`N̯_?0˾RNa(d*/,N\b༾ɖIN0P\7 sR_Ƕ㹾QWAAs]42a2f cn#meUd,@:hUU7Q+ʢs.9j+K vӂ>8ݚG%-%1V:| wL9 ⎏u߶jsY5Ͱx.x0 Hj0*tw 3UT&zħSݐP̓.u#XTUue?Mm-sJjt@,KU,,ʒUxx2 p&q+wi \Xr'V J0.XV,vE&J}`޾YR5mu%,UGKjrD%ܹvY]dL!am_p睗#!<W\e7|d| _jp *XBB)’) ܠ]Yn5 #5}i.Eg^N57ٶSh {P K!e$g'=M#XH@d\CGIn15L}J^]Sf$'ۃd7 NEϯ{6n+.vi}HMIo8?k##[LwȧQj` H%܇PYaaeRo`2(FzӉ$ +9x}45Y5y }ʭNm2={}ˉ&8B=b1]eyd`jQ->Fb縩nD$q2IZGN&K{]Qpp@٧,J̧6x~ѯ,g  #(.:ټ'[Gtۦ! a.RU7+vf_Ec=+vG~7?`Bf(#Tlx]rL@@ Dlmi+&3¤ޏC׾ũeJW0YJudF*-~A[ : > j Ͼth%f8K@Aـk<ݙH.+bGH}~!^+׏03~Zt]1,f,J2r]t'h;^-GFTlfS*Odx3-7XJ';r&Rs>4s-fQ)B dF+x+fP`c-hp,4[?ІC8T< AMgZv5n/8L) ;܂R70W=;zvrO@ 7<»!gD%BTq=ӍøLo Z] #҉里eĞ\ `Pt[rg! %W\S"RԴi>UvFomup2QHCVv.BK[,{z.~R&H`KW\isSvwQ^v~("Oi2 lfXzdћRur JծeHƖv— -st+WDxWgԊ&2}5%DnUFj 4OTByVgVR"#Mp-@ r=|ř,=|,b&Ĵdޞ><\U@`X㮭b)j". |ǨF?+F9WLEfIo K.&G_nWZvfK 5 m-xot &HIf}9zމذGnKgF1\j0.ӛgE UKBokjcKWri^YF9_XO>Z$msҸ`cgE=ûhӽOtB_v_5_ g-_ ~=>IENDB`F#β/qcN,3ӥ2M2Ӯxymn;S-7[]QB<:ymZ琢d5j+%J>uRvWķP8S+v>$r> b]2]HQJ@(n nc (MɥD]m>JTڜyHq].o l[O ޕ .Mq6ᦘZTyyUICsbo ^R%(Z;X! rUK!8u>ycmuf22u!K%8;V,BJp9R ؓ5BƄD̳' @*:dg:nsLZvzSqQˆ)K&2 c*~ oD MnD),: u $AB@rWKE9 CNl҂R9*5<oZw*Q$<@WtD=n7gFYZIZ׶ GڭO!@@$na}*zǦz lK)\9d$G3F (SyK\_&K<2aq< ¯8^ET܍Fң8k(AP'F6MQoHMj#QZT7:kcZ .B^5(dꏲqӢ.9 HV2zbraq`ZW 6RR7'j$ul[ IOQNYOig)KRIvW؁ot5ʜu HHHQ$O]8bx-Pd%`,+|FZ-}w&Q`ϊBz|wv^9hUm[Dboh(!yU͎l$z>^,'|P-qۡR,Grw::?Z:O/< *8H=BJN>T` t+BNy*L;!yClqJF$kYba4wiI -e2v$dz:j8@̝.Citgt,}YPz>%8$%#"ٛ.3V߯qV%J;\,uʣϊږGg_ϯt(J{m2^@$ؓ`nj}íWsz<`iҁՄ/HD-zx@OZêJ'L & &㧵:"|/{nba0TyNbBwx"i"Gqv҉vK1;'|FGJ;-蛜JBP'\r+sdqѬm v嗆(|ߛ 8=*ԉdi/OUa eAQXxmieNtu.7)OsGvX-eR!*_N<~Xe)A$~O\z+n_4|y-&SCLJŸ@NP?'jײ4$񘐩q݈**zbߡ1\[YCIƤi R0$7r q^WVU]Keھ6˴dxRV_rtE:,ټre20r MXlqDZ`! S7$)Ѻ= - gn14>:sL@ӭ9=@.r0q4zRhlhi/7xas%ss9]n+^$`³MG쨏]N2w.N16jT;ߤ"%68 ;yXspLL%IfD{(rxa qDV L3e({%b;"& F 0Ky l|ڬ8lܛn%I OgͱW|#JoH/7X~*ˋB<1FzU ++MEm˟jJ;os(JʰFs$jUM;nfVe )6H*P$nFءxzLKI/-/,OFFǦ*ӻS@Ȍn$ 䒐~9 Qo xZ) o.- IG@QV&j+~᭘"/dRoŵpFk5-mdGL3z–TRqO@ڹLjzQK{x%Jé8*i]y}E{I-\^BTN(SlvNiX5Mֵ)V (W/nPv$d әmUyG(\7Sqڙq$%[)'$@u[#Py%M7<4!b9`5B rN0=rimM'Υ-q;'[0cڈJ8|W,I*Zv9{ۀ~F Q\-8?V*0qbtL= Z^~ Wd6TQP$pgnv$8e` "6,HqRO$?&4 0.rR@`mZPÎ WRsVyO18BmلtM B}E IJgR}1NlRD˩_#) ;j5=*7o-$aRoQk>|٪ِ̃=j*;LHjvn4t6RPFVni{u6?5RmNV%*y;$3+cZd:n+o :1m (n{⡧M)Ȕu]T<iPH֕ p-l mʷvJI/ZUonh Hi |`dn33DtyY2ciҖi?/Ni[7bZp)E_C}Hes'%#xMF'K ,DT?9yNܕ֍\e\ۻ,ǽIZ9G#aIGr*SL6S̆$G * Ik>@zKil.%Mv(H=Nˀ_Oh,%>$]'A(C-|7 _^=@‘a m+HIKüTˀovsu SdqLd{$@qH z(S4IJpQ&;mQ+igDozEEq7J;[tߦkaDŽ:w oqS,%-';OʜGa\ׯ%AVnF|{>Z19`iAʜG+$d? 'R HiPB(=u@YuKiYrK[B JpHHQ;ޛixVQ )C($e_3OI!F9 4w_i)ďCbtoPMhxǍMk+Mx,9Ss^k })i(J>{ 9 \jnN8왝׮<o'?*@n!R"K:*qkW2ORIi͞2pm@VFsR XWȞYq@xRw?3W'2ͥ^h2HVr:xQݼH%[!} Rl&BI)` uy|y}Fj9ˀQ=lY;|*QP*;|ƛNkRo~G{ԫ =ZU xʱ^Az׮@ChU^&\X@>XZ.PMS$j,فRBqeKն*^}<'nPM fnC/%[plhR~mHl5 Gc?ּSp_$βE7*U V1eNHqܑ!ri*RTj {kX\?J ϥF]-S܁=CG G8V>`[`u,{4aq{:-S'"8nEn>Rð5 yS7񭿫 k8R/Vkv`u**;b5TriV)Pp8O$Q 4GC5TԁLsʠ*3ԙ !VEPtDm#)o)Jd.ǥ1S)r*Rľ\Փ3?J K/{amQՐJFr;Vq9M,Y*3>~ΔlPP6~%(a]ρNoZ%%-j]<.%!C|*CUq/OI쌧bHq⭕%$>H Iހ6ͱZn2$z?g]!۔Q Vnח+]D ]գ@_r;pķ^X ù\Z-Ya #@+ïR2uP׹O7SM%JxYT1ܛ*AP^ݦ%!O怉՜<¤\Б2[t!*{բl*2HpN+S^t:ԓ=)mIPW]eKHC@!-Ԣϧ˼ B2S}NBaJӓԑxIJ\%wR3DUL$ܦ.Ks֬J.orʛN <UXtnh۫ #tݽe)J@HU2=7)\WvdJI0+ЃMZj҅̓q(lڊيH&_ØJ2a[} XGKf[;܏tO:4HԔxa_C:kO()*ſ" ,#nXW`YN6R^:T)TPiR@*TPhFJiMʂv$xfŐ*+IR{7PQqL.:v%Pf#E@6?|i`(B*q?X<(x8+P5kJF]| Ipo  ,`!ũJ8 RZ)+lvԱ*څm5)˅QP;Ⱥ&9HOTj#tgԥ,Zn2Uit嵱4 `5 )W rDw$88W{ >}_ު4`6V9_CF΁.]ͱ01QTMVR ɎH|RwCAX+U9BF끱ޘɖqҵJ4!UJameIJo*$9$UnCUqL\d;pz$(理$?&$<"l~H ZHϭ1.:ZJFz=i*!@#HR5Q+b^PyudS]$; `Yj6:TԿ ˨HNS4@\6n2ɓ̛Ͷ^ C X/Еې³C#c:գv}׵Db֯gTb-*H|d-t]CFJ9tvT=p ySysUj@Q+{6i<z!ۇRa;lS˒>`TDBmT8(J V~]tRc[m%CfYl%I)XJ -OCGAv..~Q'tK!v;+@Bna ,jSZj[N@ 8yIeN-F>鑹-*!KYot>`y|>t*Y)^2 G(m8rN2R?٠FSӸSg(JFIFHHC  !"$"$C" O   !1AQ"2aq#BRbr3C45EScds$DT1!1QaAR2q"#B ? 79oҎaܔ bHZ9l*6Q+b+mm%IJ{U:[4]C\yS%yH gJͣ./w6*xӳQ ޔZ|N(DQǃMVpGW <Ѵ9}~ndI+]RP:ͺ=rOz[q_V.ڭ|&:EVƴ٭ٷG_@[=KA[7w|n/3u6ļG)QTʒ|k%\ P FUӯFc8}"H?"#ҍ[6 褜WYhi=yMh 'd,~)c]E:ŨבBTIq @gGIo RARV8`4h+fCSw_G=@?) .ҭЮ}.ĈO]$sXi I+-ÛUt2-no8>Y2t-Htfp@ mjשs46)? $*! v6fDaE;} ,GM4@}u $G9׮Ѫ5.PYq{qG*ZQ$SW[$/qʈqL-6E'##eV 5) )-9#.[\R3%sF$ݱWHoTaT˩-G%$cynYr6 g(m-i=N#W]=zE[i{B`O\QESOܶzO}'\, :u!Ni[W؊U|?_[n搸ڡDQڴR09'\@붟LjmXK:5َ'NņD6Hn~Re+YYʶR3FUMN<ڡ&fWJ2i`VeZ Z$ŵI(o[{Ŕ'jՆC64*ˑ[*ڔ8PƑK.~uy<HFA#)V}bB #9fE,۬4VƮ o_ DbO8GȨr=yOWd엍;1ҺS[\5;ZP}urKt[LňGe%-žX$!*ag%) GK㖼lmAkLo%@[*Vվ`9 rZ\GUrvmߌ'Oړg:_xU@;@ֺJΠW8㧚Kqf uyT~J֎2ŌO cTmKp0XomHPZUj=9iWB'<}Վ*Or7E*s\jjM gndР$gYBƅkӼۈ+d,$t#zKQe[_DvBv,65'̱Fq$yhĪ*1yR(FxCh+yVפvP!Cg%Jԣ';ANp+wOyf>uq;WۮZpf<()8#5j~j6 Bl7^8^'ϒP-W'3K|R03k[V_&ǓQz2ǩ! %c2tTN1 uJH*XVIuᾇKL&ckW5-vDNs̿SWRNZxjqVH;ڂ쵩y|5Fg]g>%6 aJQH?VEj7xǗrnQBHC=O0L_5oDd(\u|ީ=º*,U18|5=9wƓ]J\XԽ~Gǿ&һg\M(؍v7Rx\Tߵ=@/׭(Pן *7HK#`}ʮnnI&nI!drk4,Mi4dff.#G&pP`%gyJMLR+EeaEbkqJzv"x-RFC8fDav6 A2|t<]ǜO17H=yPIW y*ǏV:}qF' yVrLś#+'mvm-{@˿SR8|yl޻[V=íEpJihW"rd{{W8o׋ņbf8]j]kO &ڵ܉nW*Ak w%'­%Ԕ! g8z3QpfIuEKqOy%̓[8m[v}i-G6c ;bLI#ѥr2@+̑F /,|_Q*dXOOz@H*8)K'иH̐A=#N[)H yp3g5/ОcB}L:9uaN  xN,~o.<:T&Iv1B:N7tqYy:o] B[s>I;t%~h϶䃻g$c T+wI>s VD8ۺ˜ ֤)yUәK?³Gɖ:MnW0y5d1A'},k//L|tiJ̒|603N NRpA91G6jY?}CǕQm%!LTldʍYX<T >aԸB[96ݶ6HLd*WdG qJsHW~\n=55n6wFJٜ aV2sd)vPO^Ѕj(Nٔb)#*N 4̕2ҧ[HHCL 'Yr9# yce(?u?@dkdF T.T= e9ʌBIqzV1?4u崭 5r.APw⡊̭56:k[ӳsE9凫9RӞV5Q\ *~9CCܺtbڶ3>9Γtq$oQ@I.dH;?Q"fk!^S1`ys*t(Z%i)9-!Г}Cj M• >L%(SmDl =M Aݪpw?FJ ^֪R=t F[j0ThJW{LҪǦυ!'jU[aU-2(UHlRW H!XCOh9JלyRMX4PO2ap<)RBT$I cJFu5uJ~` ̜qiR sT+IҥJ!J@]Kt$ O*bsmև]XY*譳)RqRKďfh5ǵBT pi!*(\>pԎJ%\丯4+-DҥIdmIN=.R.$$If!vh555#v#v#v:V  6534` p$$If!vh555#v#v#v:V  6534` p$$If!vh555#v#v#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` p$$If!vh5 5E5#v #vE#v:V  6534` pDd'^  S :Amarket_titleb?0H$߼rin0H$߼riPNG  IHDRi]/PLTE3[Km?w tRNSbKGDo cmPPJCmp0712OmnIDAT(ur P&Q{[%4x4JJ-3SMjB FD (LS9lz4w3BJ7\xV-@*[& gUk* P L mJ,?B'Ч]]oTN_d mj k*Ӌ|Xl{xtF߸ )Ԫdo9~f(4*G5Y4BNipUGb4pwFz?tCrÚ6ߍWy*]P7e|v)jt.i}NyWnda[]%8C}zloYke';ផIENDB`[DdP  S ,A clearb@a|VV n@a|VVPNG  IHDR%VPLTE+סtRNS@f cmPPJCmp0712Om IDATc`clIENDB`Q$$If!vh5!#v!:V 6,534 $$If!vh5#v:V  6,52<34 ` p xDd'X  S 4Atrans_1x1bh)1kGânh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p(xDd'X  S 4Atrans_1x1bh)1kGânh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB` $$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t934 ` p( Dd ghb  c $A? ?3"`?2W!X ?s3`!+!X ?s)|xmJAϝcHL ,tM  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~     +#'&()*,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijlmnopqrstuvwxyz{|}~Root Entry F`W8?%Data vWordDocument](ObjectPool?`W8?_1167197588 U\g?1?PRINTCompObjmObjInfo   !"#$&'()*+,-./023456789:;<=>?@ABCDEGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrsuvwxyz~={   )- !( !(- ! !'- !' !&@@@- ! !%  ). 2 '@Arialw@ }ww0- 2  '07920' U\gForms.HTML:Text.1Embedded ControlForms.HTML:Text.19q2U\g<INPUT TYPE="TEXT" MAXLENGTH="5" SIZE="5" NAME="setzip" VALUE="07920">DefaultOcxName={   )OCXDATA OCXNAME _1167197587 U\g1??PRINT- !( !(- ! !'- !' !&@@@- ! !%  ). 2 '@Arialw@ }ww0- 2  '07920' U\gForms.HTML:Text.1Embedded CCompObj mObjInfoOCXDATA OCXNAME"ontrolForms.HTML:Text.19q2U\g<INPUT TYPE="TEXT" MAXLENGTH="5" SIZE="5" NAME="setzip" VALUE="07920">DefaultOcxName2Oh+'0h vX V6R>Tsf ]wF\@e l 3xfW8A?.;,quՄUKuHt#qD%_tu[DL76R47l!ԉƲoW {MbZt]o<̿g{@@D' ћ:/}xDd'X  S 4Atrans_1x1bh)1kGâ#nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB` $$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t934 ` p(xDd'X  S 4Atrans_1x1bh)1kGânh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB` $$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t934 ` p(xDdX   S 4Atrans_1x1bh)1kGâ-nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`xDd'X   S 4A trans_1x1bh)1kGânh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`1$$If!vh55555#v#v#v#v#v:V 26,5f55 5 5t34 ` p2xDd'X   S 4A trans_1x1 bh)1kGâPnh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p($$If!vh5#v:V  6,534 ` p xDd'X   S 4A trans_1x1 bh)1kGâR!nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p(xDd#X   S 4A trans_1x1 bh)1kGâ#nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p($$If!vh5#v:V  6,52<34 ` p xDd'X  S 4A trans_1x1 bh)1kGâ&nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p(xDd'X  S 4Atrans_1x1 bh)1kGâ[)nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB` $$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t934 ` p( Dd ghb  c $A? ?3"`?2W!X ?s3+`!+!X ?s)|xmJAϝcHL ,tM vX V6R>Tsf ]wF\@e l 3xfW8A?.;,quՄUKuHt#qD%_tu[DL76R47l!ԉƲoW {MbZt]o<̿g{@@D' ћ:/}xDd'X  S 4Atrans_1x1bh)1kGâ-nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB` $$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t934 ` p(xDd'X  S 4Atrans_1x1bh)1kGâr0nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB` $$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t934 ` p(xDdX  S 4Atrans_1x1bh)1kGâ2nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`xDd'X  S 4Atrans_1x1bh)1kGâo4nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`1$$If!vh55555#v#v#v#v#v:V 26,5f55 5 5t34 ` p2xDd'X  S 4Atrans_1x1bh)1kGâ7nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p($$If!vh5#v:V  6,534 ` p xDd'X  S 4Atrans_1x1bh)1kGâ:nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p(xDd#X  S 4Atrans_1x1bh)1kGâ<nh)1kGâPNG  IHDRb{, PLTEv<$tRNS AbKGDf |d cmPPJCmp0712Om IDATchIENDB`$$If!vh5$ 555#v$ #v#v#v:V (6,55 5 5t34 ` p(DyK  www.kbb.comyK (http://www.kbb.com/DyK www.edmunds.comyK 0http://www.edmunds.com/DyK www.nadaguides.comyK 6http://www.nadaguides.com/mDyK >http://autos.msn.com/home/new_research.aspx?src=Home&pos=new0yK |http://autos.msn.com/home/new_research.aspx?src=Home&pos=new0DyK www.intellichoice.comyK <http://www.intellichoice.com/DyK www.vehix.comyK ,http://www.vehix.com/=DyK 2http://www.costcoauto.com/index.asp?ZipCode=07920yK dhttp://www.costcoauto.com/index.asp?ZipCode=079200Dd8\  S 8Ahiw_1selectb7\EnT7PNG  IHDRcAq0PLTE33""wwffUUDDPztRNS#]bKGD cmPPJCmp0712OmIDAT8SMOQ- bbb #qM"e]3ԍ 0х ID\ mLdC& Ӗv *3v&n7{} YbDn9?rPO6=hA>KഗFA@B-<6 ϢY~]'M|EP~m*3,FpWvTkrO#v11Z 2ӣ4P|C sBiXd([f)JDi^?;r(5Y]Ii5ׇE_FisB1¾5 ?'DFx2ۑd!$id}+H<OsӶ2hX;0ƉoզNQnCPlnuh:W$i/Fl6 W* unp?sO)1Ċe]f i}6p H8%R3aQ )aLIbM0H.ræRo1=y3LJCnj}b ,s-ίD&]i1b\J&pIE kŚ*NyK> QIJ Aq3o;F[bwNJEsy'dGϜ]N~b٬Mjf8/deYe{Xgkz ?ܾ<3BIENDB`N$IfK$L$!vh5!#v!:V 653%4 Q$$If!vh5!#v!:V 6,534 Dd8V  S 2Ahiw_3askb54D2Vf\Pn54D2Vf\PNG  IHDR?}f0PLTEww33""UUffDD/tRNS#]bKGD cmPPJCmp0712OmIDATHToUvHQlN$qppR#ppns+*UtVBHUxQPJ:+Sgaf$$<^ۙ}3o ?zwM:Y"O-+Iփӷ+ BI+UӼ۠p;BNZ%6m@S\ERdT$#bCԁ"T[7S_CE-!`C$VZQ!'}*)/fj&ݡZIhǥUrG׮Ϟ Quy]j4:IkWTp9n1XAUh|M-.bofH!v[<$eC`MwZFp-!EÕcIKw Δ}e#"ri̧ }YY/mc<̆<]<b ;3b\?v`yXLc{3d.gV5c-pFmRѨFRq#ϰGBfɵ<=wԖH@. C y!y~rH08C=:S.&["oo0B3½Yc`mW'f*9陪Oĉe$ḃLb&5cO42Ҫ=_#S??[ C݅IENDB`N$IfK$L$!vh5!#v!:V 653%4 Q$$If!vh5!#v!:V 6,534 Dd l  S HAleasingAuto Leasingbc'y|+p} +Wnc'y|+p} PNG  IHDR"B+30PLTE\ dl#s2}DR]h}ȔӬbKGDH cmPPJCmp0712Om1IDATHOhAƿݦnOPi< ۀI+A*=z4=Vi=x/MA<6P==l)4^[5mHlEA*E27͗ـ*b0PssYVf/mqUOɡKio5N~a?IĿƘo0؟`-Y!<£YŒ؋O@ aoOS1O^+0S-s²x6t3?hdp i!Qe,"PCzj Zp$;h.c>@Њ^娫D[CT,LSWI6~tfcdqN˘ Z=y/p1ZepLiYmL)`" %ͣ!lAտ`PZR q#jWmySm Ǫm?@_tBCන11!@Z.٘!ZC= \+h1 aB_2`A7$s5561|M#9(ad[Gb>GJАJtUUm/S6;·0`28bC=A!hMzJ֧h"G1Iևw:`(m$> `H+/Ĩ,b,qpUi,M2e:1s;,Z׬x ՗sRhA `{Fl. R W=Gg[E@4i S?&1!:X~c.O ~Ew}'J;~LS&һtη*`fh`z5fiƥ0 {YSsxW .Í2v`z#d`wt(GķBKB (>YZ"A2UNt§1 `FNpds)"^cNr Q\F@ST .yiHAn7&zKHl?C)H״ā$4S:t<#JfX"p<(!HO?,zdo kGY'&]=ju|ue݁>CƩh<})4avϻBaJ!rh GJ)\B]X`!u_E<`\pE(])O]rZ2 8"(΍`sh (9)*"aiW\*ebetterLEASE OR BUY: Which is Better?bF!^6&.jJcnF!^6&.jJPNG  IHDRt"?>0PLTE[ ck!q2}CR]h~ɑө:xXbKGDH cmPPJCmp0712OmIDATX]hUo>߶+Qp nx#eCzᅂWVu"n K܍ZtPwcKl(n<il8<9s +Km6^dW׬~ I[53%*dXٌq>T2|frkpeݯZ -ԭ ]`i: pCy=lRÕRP.ԭ x52>~]: u׍[Iq[s7:t>|'z}$(`娓( \GC(?~4g"⃗Ι8#}o"X|AS nc#  X77ť-L%iVH+!?80>F0.e:3hs8k^Spг|~R`a\@G$]I !*<,BIKj*|ㆧ6?!ѹ E [ 31Vé\z!ZBϰґ0iRqXi mKBT8 4 j?7eA2Py>\Hn62}B#5(RGֆV4冚[rt+s<,B m^`9 R!Jy DOUx*4탦["Nip*QIU} Zeza(o(;( 6CSP1T"؆ݫUY:ޙ%1it6EBUFW>W$*cTvX1zx)S;QD2x>]7a\TEDT=pBltEhj7=νg% eG)}Ȯ2z|'0z8  n*k_3z`_=7{Rw^fC`'te各 }ZY@raK'λtMc@9:]H۩:Z~l2Sf ZG(!;各b2^z)S򤕴KO;Eδ [J7 &?t+rb8e l9+缒"G\󧖑c!cweZ(%{:M55ʷ9a{'SFOnZZ@=+ߺJM\N[^Fo{WLVIENDB`X$$If!vh5!#v!:V 65/ 4DdP  3 3"88X$$If!vh5!#v!:V 65/ 4$IfK$L$!vh5l5l#vl:V 0 6,5 / 4 T$IfK$L$!vh56565656#v6:V 0 6,5/ 4 T$IfK$L$!vh56565656#v6:V 0 6,5/ 4 T$IfK$L$!vh56565656#v6:V 0 6,5/ 4 T$IfK$L$!vh5#v:V 0 6,5/ 4 TX$$If!vh5!#v!:V 65/ 4Ddn  S JA*image-934656-1610902bbXles~jNonbXles~jPNG  IHDRb{, PLTEv<$tRNS A cmPPJCmp0712Om IDATchIENDB`Dd  S ^A>show?id=XrhiBNDBMcw&bids=30958bz>\RXԐldl-A5pnz>\RXԐldl-A5PNG  IHDR%VsBIT|.wPLTEU~tRNS@fbKGDHgIFg>U cmPPJCmp0712Om IDATc`clIENDB`X$$If!vh5!#v!:V 65/ 4DdP  3 3"88X$$If!vh5!#v!:V 65/ 4Ddn  S JA*image-934656-9289743bbXles~jsnbXles~jPNG  IHDRb{, PLTEv<$tRNS A cmPPJCmp0712Om IDATchIENDB`Ddn   S JA*image-934656-6817998bbXles~jYunbXles~jPNG  IHDRb{, PLTEv<$tRNS A cmPPJCmp0712Om IDATchIENDB`X$$If!vh5!#v!:V 65/ 4Y$$If!vh5!#v!:V 6,534v$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,55934pP1kdKw$$Ifִr3% K!!" P6    34apPp$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,5534pP1kdz$$Ifִr3% K!! P6    34apPp$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,5534pP1kd~$$Ifִr3% K!! P6    34apPp$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,5534pP1kd@$$Ifִr3% K!! P6    34apPh$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,534pP1kd$$Ifִr3% K!! P6    34apPp$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,5534pP1kd$$Ifִr3% K!! P6    34apPp$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,5534pP1kd'$$Ifִr3% K!! P6    34apPp$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,5534pP1kd̐$$Ifִr3% K!! P6    34apPh$$If!vh55Y5- 5; 5555#v#vY#v- #v; #v#v:V  P6,534pP1kdq$$Ifִr3% K!! P6    34apPY$$If!vh5!#v!:V 6,534v$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,55934pP1kdi$$Ifִs H!!" P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kd$$Ifִs H!! P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kd$$Ifִs H!! P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kd^$$Ifִs H!! P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kd$$Ifִs H!! P6    34apPh$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,534pP1kd$$Ifִs H!! P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kdE$$Ifִs H!! P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kd$$Ifִs H!! P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kd$$Ifִs H!! P6    34apPp$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,5534pP1kd4$$Ifִs H!! P6    34apPh$$If!vh55x5 5z 5 555#v#vx#v #vz #v #v:V  P6,534pP1kdټ$$Ifִs H!! P6    34apP1TableSummaryInformation(DocumentSummaryInformation8CMacros)?p,? $ 0 <HPX`wwwjhumesNormaljhumes2Microsoft Office Word@F#@bT?@bT?+0* pHdProjectQ(@= l ioFC J< rstdole>stdoleP h%^*\G{00020430-C 0046}#2.0#0#C:\WINDOWS\System32\e2.tlberNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=CAMRY%20XLE%202554%20Sedan%204D%20%28Auto%29&vyear=2005&vmodel=Camry&PVC=&KarId=05TOXB_X6A&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M1A17&mcode2=&prtype=nc<lhttp://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;258669;NJ035&07920;sed;&318;Nissan;2005%20Maxima;25000-29999&n;2005%20Maxima;S;5;5&sed&&&&newcarstab7hhttp://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;035528;NJ035&07920;sed;&318;Nissan;2005%20Altima;25000-29999&n;2005%20Altima;S;5;5&sed&&&&newcarstabWhttp://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;015868;NJ035&07920;sed;&318;Honda;2005%20Accord;25000-29999&n;2005%20Accord;S;5;5&sed&&&&newcarstab=u ,http://www.safecarguide.com/gui/ins/idx.htm=u,http://www.safecarguide.com/gui/ins/idx.htm=http://www.edmunds.com/advice/incentives/holdback/index.html&~,http://www.safecarguide.com/gui/res/idx.htm0)$http://www.mbcc.com/cars/index.html}#http://www.alg.com/Xhttp://www.carwizard.com/s,http://www.kbb.com/d0http://www.edmunds.com/}#http://www.alg.com/*http://www.qksrv.net/click-934656-6817998 *http://www.qksrv.net/click-934656-8128143/r,http://www.safecarguide.com/gui/fin/idx.htm/r,http://www.safecarguide.com/gui/fin/idx.htm *http://www.qksrv.net/click-934656-9289743*http://www.qksrv.net/click-934656-8809612"~,http://www.safecarguide.com/gui/dea/idx.htm,w,http://www.safecarguide.com/gui/old/idx.htm/r,http://www.safecarguide.com/gui/fin/idx.htm*http://www.qksrv.net/c՜.+,D՜.+,@ hp  Boston University% www TitleB 8@ _PID_HLINKSATB1?Ahttp://tran1.kbb.com/kbbConsumerNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=PRIUS%201224%20Sedan%204D%20%28Auto%29&vyear=2004&vmodel=Prius&PVC=&KarId=04TOPR_B&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M16A2&mcode2=&prtype=ncU>http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;127930;NJ035&07920;sed;&318;Toyota;2004%20Camry;20000-24999&n;2004%20Camry;S;4;4&sed&&&&newcarstab7c;http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;748203;NJ035&07920;sed;&318;Nissan;2004%20Altima;20000-24999&n;2004%20Altima;S;4;4&sed&&&&newcarstab=l8http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;875993;NJ035&07920;sed;&318;Honda;2004%20Civic;20000-24999&n;2004%20Civic;S;4;4&sed&&&&newcarstab U5http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;413983;NJ035&07920;sed;&318;Honda;2004%20Accord;20000-24999&n;2004%20Accord;S;4;4&sed&&&&newcarstabk62http://tran1.kbb.com/kbbConsumerNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=PRIUS%201224%20Hatchback%205D%20%28Auto%29&vyear=2005&vmodel=Prius&PVC=&KarId=05TOPR_B&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M7A2&mcode2=&prtype=ncX/http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;640073;NJ035&07920;sed;&318;Toyota;2005%20Camry;20000-24999&n;2005%20Camry;S;4;4&sed&&&&newcarstab8b,http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;264567;NJ035&07920;sed;&318;Nissan;2005%20Altima;20000-24999&n;2005%20Altima;S;4;4&sed&&&&newcarstab;k)http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;305853;NJ035&07920;sed;&318;Honda;2005%20Civic;20000-24999&n;2005%20Civic;S;4;4&sed&&&&newcarstab [&http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;926126;NJ035&07920;sed;&318;Honda;2005%20Accord;20000-24999&n;2005%20Accord;S;4;4&sed&&&&newcarstabvr# http://tran1.kbb.com/kbbConsumerNPU/consumer_DealerCount.asp?zip=07920&make=Toyota&trim=CAMRY%20XLE%202554%20Sedan%204D%20%28Auto%29&vyear=2004&vmodel=Camry&PVC=&KarId=04TOX7_X6A&Version=050101&popup=0&pathFlag=buyerconnect&server=WEB13&dest=pr&cat=sed&mcode1=M36M10A17&mcode2=&prtype=nc2q http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;745254;NJ035&07920;sed;&318;Toyota;2004%20Avalon;25000-29999&n;2004%20Avalon;S;5;5&sed&&&&newcarstab5dhttp://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;742305;NJ035&07920;sed;&318;Nissan;2004%20Maxima;25000-29999&n;2004%20Maxima;S;5;5&sed&&&&newcarstab ^http://www.kbb.com/kb/ki.dll/kw.kc.Dg4?kbb.NJ;499504;NJ035&07920;sed;&318;Honda;2004%20Accord;25000-29999&n;2004%20Accord;S;5;5&sed&&&&newcarstabw&http://tran1.kbb.com/kbbConsumlick-934656-1610902&~,http://www.safecarguide.com/gui/res/idx.htmD1http://www.safecarguide.com/gui/neg/holdback.htm*~,http://www.safecarguide.com/gui/lea/idx.htm/r,http://www.safecarguide.com/gui/fin/idx.htm,w,http://www.safecarguide.com/gui/old/idx.htm"z,http://www.safecarguide.com/gui/war/idx.htm"z,http://www.safecarguide.com/gui/war/idx.htm"z,http://www.safecarguide.com/gui/war/idx.html`javascript:void(0)l`javascript:void(0)l`javascript:void(0)l`javascript:void(0)EX"http://www.costcoauto.com/buying/@O"http://www.costcoauto.com/evauto/l`javascript:void(0)l`javascript:void(0)D!http://www.costcoauto.com/carre/]~2http://www.costcoauto.com/index.asp?ZipCode=07920C{http://www.vehix.com/Yxhttp://www.intellichoice.com/;u>http://autos.msn.com/home/new_research.aspx?src=Home&pos=new0<$rhttp://www.nadaguides.com/d0ohttp://www.edmunds.com/s,lhttp://www.kbb.com/8c|http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#8]|http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#8Q|http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#8K|http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#8E|http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#8?|http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#8<|http://www.edmunds.com/new/2004/nissan/altima/100347440/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#?0|http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#?*|http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#?|http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#?|http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#?|http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#? |http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#? |http://www.edmunds.com/new/2004/nissan/altima/100347439/optionsresults.html?action=2&tid=edmunds.n.options.ntmv.1.1.Nissan*#VBA)?p,?dir%ThisDocument1_VBA_PROJECTFG #OLE Automation`ENormalENCrmaQF  * \C HMSFBs3@dD452EE1-E08F0A-8-02608C@4D0BB4dFM20L'B p&/;"1D|~ C00}#0B# 50 A8E32CA8E-B598-4469-8CF1-97EEF0AA8A2B6DOCUME~@1\jhum@gL OCALSTemp\Word8 .0c7.exdd<@".E .`PM BD@T@hisDocnPtGTisD@lcuQen 2E ` H1y-",ބ""+E)W'@ބx'DefaultOcxName, 2, 0, MSForms, HTMLText(DefaultOcxName2, 0, 2, MSForms, HTMLTextMEPS"SS"s<<<<(1Normal.ThisDocumenth(% %*#0(*# h %*!88*\R8005*#82xհAttribute VB_Name = "ThisDocument" Bas1Normal.VGlobal!SpaclFalse CreatablPre declaIdTru BExposeTemplateDeriv$Custom izC1ControlDefa@ultOcxm, 2, 0, MSFs, HTMLTex !ay  *\G{000204EF-0000-0000-C000-000000000046}#4.0#9#C:\PROGRA~1\COMMON~1\MICROS~1\VBA\VBA6\VBE6.DLL#Visual Basic For Applications*\G{00020905-0000-0000-C000-000000000046}#8.3#0#C:\Program Files\Microsoft Office\OFFICE11\MSWORD.OLB#Microsoft Word 11.0 Object Library*\G{00020430-0000-0000-C000-000000000046}#2.0#0#C:\WINDOWS\System32\stdole2.tlb#OLE Automation*\CNormal*\CNormalH*phFVF yFollowedHyperlink >*B*phPOP yautobolddd[$\$5CJOJQJ\aJB^@"B y Normal (Web)dd[$\$DO2D xsmartdd[$\$CJOJQJaJBOBB xautodd[$\$CJOJQJaJf\f[/ z-Top of Form$&dPa$<CJOJQJ^JaJl]l[/z-Bottom of Form$$dNa$<CJOJQJ^JaJ&,8R\'>BI} ~ '(,0JKOS&'(0Wa ##M%N%O%%%%%%&&_'g'o'''V)X)Z)))w*{****j++++,,,,, -!-,------R.S.f.n.v.... /!/#/(/0///01111222n3o344444 5(5*5,555F6H6J66666r7w7|7778 888888898999w9x999C:D:x:y::;;'<(<>>>>>AAAAA9D:D;DYYZ\_]^^`pb6efGhJiijkrl.mnoq$s%sSsTsVsWs7uRxzt} ,6JTUhqڀۀǂȂ҆D‹%LU:sWMJoprsJ2,1d|[n*#   U    e efg`ntuvwxy/=CDEFGHON\bcdefgn+123456= GMSTUVWXistuzJX^_`abci"()*+,-4          " """""""""""""""""#########b$p$v$w$x$y$z${$$.%<%B%C%D%E%F%G%N%&&&&&&&&&00000000000000 0 0 0 0 0 0 0 0 0 0 0 000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00000000000000000 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000000000000000000@00 0 0 0 @0 0 0 0 0 00 0 0 0 0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@000@0@0@0@0@0@0@0@0@0@0@0@0@0@0@000 0 0 0 000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0000000000000000000000 0 0 0 00000000000000000000000 0 000000000000000000000000000000000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 00,8R\'>BI} ~ '(,0JKOS&'0Wa #M%N%O%%%%%%&&_'g'o'''V)X)Z)))w*{****j++++,,,,, -!-,------R.S.f.n.v.... /!/#/(/0///01111222n3o344444 5(5*5,555F6H6J66666r7w7|7778 88888898999w9x999C:D:x:y:'<(<>>>>>AAAAA9D:D;DYYZ\_]^`pb6efGhJiijkrl.mnoq$s%sSsTsVsWs7uRxzt} ,6JTUhqڀۀǂȂ҆D‹%LU:sWMJoprsJ2,1d|[n*#   U    e e`ntuvwxy/=CDEFGHON\bcdefgn+123456= GMSTUVWXistuzJX^_`abci"()*+,-4          " """""""""""""""""#########b$p$v$w$x$y$z${$$.%<%B%C%D%E%F%G%N%&&&&&&&&&y0]y0]y0]@0Xy0 @0Xy0 @0X@0Xy0y0{0vy0qy0y0y0y0y0y0 y0y0y0y0  y0y0y0{0 }y0y0y0y0y0y0y0y0y0y0 y0y0y0y0y0y0y0y0y0y0 y0 y0 y0 y0  y0  y0  y0  y0 y0 y0 y0 y0 m {0(n{08y0y0{0y0y0y0y0y0y0y0@{0@y0y0y07y0y0 y0 y0 y0 y0 y0 y0 y0 y0 y0 y0  {0  y0  y0  y0  y0  y0  y0  y0  y0  y0 y0 y0 y0 y0 y0 y0 y0 y0 y0 y0 y0Ir y0Ir y0 y0 y0 y0 y0 y0 y0 y0 y0 y0 @ \8\ y0y0y0y0y0y0y0y0y0y0y0y0y0 {0 y0 y0 y0 y0 y0 y0 y0 y0 y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0y0i {0 ky0y0y0y0y0y0y0y0y0y0y0y0{07y07{0 y0 y0y0 {0{0 y0 y0 y0{0{0 y0  y0  y0{0I@y0Ky0Ky0Ky0Ky0Ky0Ky0Ky0Ky0Ky0Ky0Ky0Ky0Ky0K{0K!@0@0@0@0@0@0@0@0@0@0@0@0@0@0@ {0y0 y0y0 y0y0y0y0y0y0y0 y0 y0y0 y0 y0 y0 y0y0 y0 y0 y0 y0y0  y0  y0  y0  y0y0  y0y0 y0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0{0 y0{0 y0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0{0 y0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0{0{0{0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0  {0  {0  {0  {0  {0  {0  {0  y0{0  {0  {0  {0  {0  {0  {0  {0  y0{0 {0 {0 {0 {0 {0 {0 {0      y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0T{0T{0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0  {0  {0  {0  {0  {0  {0  {0  y0{0  {0  {0  {0  {0  {0  {0  {0  y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{0 {0 {0 {0 {0 {0 {0 {0 y0{07{07 (M-o/146M8\:=?@CFbKf%{>sOA"%*.}'J&!-./1244,5R66 779n;<=J>>?@wAFIW${Tڈr! $%'*F-..#$!$#$m$o$%&&&&&&L']'o''''v((((((M)T)Z))))a*t*****f+h+++,,,,,-------N.P.v...0////70K0Z00011112)282X2Z2[2222j3l3o344444455,555536D6J6666]7p7|7778888889&96999b9u9x9999+:A:D:h:v:;;%<0<<<<=%========>+>>>>>;?=?@@@A.B0BBBBBC'CACbCtC^I_K_!cccm)n+n8|r||)>lj"D~L>Q%56̞JL¢%_h F[sٸ56 Za,no Nbd #39`jJ\-?[PR^!-O|@Ln= :E<Hi4    !"""""###T$`$$!%,%N%s&~&&CCCXXCX[XCXCCCXCXCCCXXCX[XCXCCCXCXCCXXXXXXXCXXXXXCXCXXXCCCXXXXXXXXXCCXXXXXCXXXXCXXXXXXXXXXXXXXXXXXXXXXXXXXXXH _b$VEZ0P<fb$/{۰4b$Q͝4K|dE.R$β/q~ (K.9r9992:t:=DFHJKMO%QSTV>YYZ\_]&   @ @ @@@@ >~ (K/9s9993:u:fDF7IJ+LMPQ5STV|YYZ\]&A+=+> +" +4 +đ +1 +ܤ+D+,+3++|++|+\5+`+D`++++\+;#+$<#++, +l!+"+#+ $+L%+!&+!'+!(+D!)+!*+!++!,+D!-+!.+ /+ 0+ 1+T 2+ 3+ 4+ 5+T 6+ 7+ 8+ 9+T :+ ;+ <+ =+T >+ ?+ @+A+TB+ܘC+D+\E+F+ܙG+l%l% / /CKIKTK   nn==HH\\++66MMXX""     " """##p$p${${$<%<%G%G%&&&      !"#$%&'()*+,-./0123456789:;<=>?@q%q%//GKOK_K   ssBBNNaa00<<  RR]]''      """"##u$u$$$A%A%M%M%&&&  !"#$%&'()*+,-./0123456789:;<=>?@B=*urn:schemas-microsoft-com:office:smarttagscountry-region9<*urn:schemas-microsoft-com:office:smarttagsState8A*urn:schemas-microsoft-com:office:smarttagsCity9@*urn:schemas-microsoft-com:office:smarttagsplace XA@@A=<@<<@<<@@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A@A -38>,2yX^=C "!"[%a%((..82[29999aa ggggsgygggjj?rJrQS+3ajGOQWX^!"Z$`$y&~&&&((82[2C?i?QQRR6SASSSTT}YYxZZ__ffDwOwkq*Ø9=06:<489:ͷԷ$'*    k  %eg&3333333333333333333333333333333333333333333CCDD"""#((82[28899v99B:D:w:>>AABI} ~ '(,0JKOS&'#M%N%O%%%%%%&&_'g'o'''V)X)Z)))w*{****j++++,,,,, -!-,------R.S.f.n.v.... /!/#/(/0///01111222n3o344444 5(5*5,555F6H6J66666r7w7|7778 8888(<>>>>>AAAAA9D:D;D