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HP and PCP are separate mathematical illustrations. Enter different APRs for each. PCP is calculated using the GFV as a final balloon payment, with the entered term counting the monthly instalments before that final payment. An approved PCP monthly repayment override takes precedence. HP is a mathematical illustration based on equal monthly payments and the APR interpretation selected above. Actual lender quotes can differ due to rate conventions, first-payment timing, documentation/completion fees, and final instalments. Confirm lender-approved figures and required disclosures before giving to customers. Optional-product prices are editable and not verified.