A conservative, deterministic check. Same answers → same outcome. No sales pressure. No quotes. Not financial advice.
Answer each question as written. If you’re unsure, pick the more cautious option.
This sets context (end-of-term decisions differ from mid-term decisions).
This is the key missing number for most people.
Tip: If you don’t know, the conservative answer is to pause and check.
These questions are about whether the car still works for you and your realistic time horizon.
Clear result, with plain-English why + next steps.