Or the measurements

Yes, but counter point: to get out of an 84 or 72 month loan early is also quite restrictive/expensive. I can usually get someone out of a lease with no or almost no negative equity 6 months before it's up (30 months total) but trading someone out of a 72 or 84 month loan after only 30 payments is usually almost impossible because of the front loaded nature of interest, they'll have barely made a dent in the principle, but the car will still have greatly depreciated.

The world operates on borrowed funds to a large extent. It's legitimate in many cases, but you have a good point.

All the down payment does is reduce the portion of the lease you pay monthly, vs the amount you pay up front. So if the car was 40k, the residual was 22k, you could either pay 18k over 36 months, or you could pay 7k up front and then the remaining 11k over the 36 months. Regardless you've paid the same amount by the time the 36 months is up, and the balance remaining (22k) is exactly the same at the end of the lease, whether you used a down payment or not. Because interest is already built into that 18k, you aren't saving any money by paying 7 of it up front.

If you can afford to do that, you might as well put down a huge down payment and own the car. Leases are for people who need a low monthly payment.

Great questions! If the car gets stolen, work with your insurance company and the police. It's no different from if you'd had a loan on it, your obligation is still to fulfill the lease contract. Good news though is that the full coverage insurance you have typically will cover the value of the vehicle if it's never recovered (cutoff typically being 30 days) As for "it seems to good to be true, how does the manufacturer/dealer benefit?" think about it from the manufacturer's perspective. They made the car for $20k that they can sell for $30k (which would be a $10k profit) but instead, they lease it to a customer for $30k with a residual of $16k. Then the customer pays $14k over 3 years, plus, say, $1000 of interest on the lease, and then gives it back to the manufacturer who lists it at auction. Let's say when they list it they only get $12k for it. Oof. They bought it back from the customer for $16k! But do the math, they built the car for $20k, he paid them $15k over 3 years and then they sold the vehicle at auction for $12k they're still making $27,000 total on the car that cost them $20k to build, for a $7000 profit net, and then that customer is back in the market 3 years later buying from them again. If he does that twice in 6 years, that's $14k total on two cars, vs if he'd done a 6 year loan and kept it, they only would have made $10k in that same time frame. And if he chooses to buy it out and pay them the full 16k residual, they're happy because they got his lease payments and the full residual without having to take a chance at auction. This is a bit of an oversimplification, but the principles are there.

Aaah, he set it for 40 minutes 😁

Can you give us a list of ingredients? Can it be made with cuisinart bread maker CBI-200? Thank