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In any case, I appreciate you bringing up the topic to begin with and apologize for steering astray of that. As you already said, the point is the interest on the 18 month lease is higher than market, making those lease terms particularly unfavorable. It appears the 36 month terms carry the...

Fair enough...and you're absolutely right that this particular part of the conversation has become off-topic to your original point. To my point, here is an amortization schedule that I prepared for my current Audi lease. I do these just to keep track of the current amount due under the lease...

With respect, it’s not insane. You’re borrowing and getting use of the entire vehicle, right? That calculation is simply how the money factor translates into the rent charge. And as you know, that money factor can be multiplied by 2400 to calculate the effective interest rate. That interest...

So that’s why the 18 month option is so much higher…the money factor on the 36 month term is around .0017. And for what it’s worth, you’re paying interest on the entire cost of the car (or capitalized cost), not just the depreciation. So to your point, a 4ish% interest rate vs an 8ish% rate...