[ethbr0]

The terms sheet ruse as I've heard it and seen it, aka the triangle game, is pushing a sheet with down payment, monthly payment, and total price in front of a customer.

The salesperson then attempts to discern which of the 3 the customer is actually paying attention to and optimizes that one at the expense of the others.

Because the input vars (e.g. interest rate, term length, MSRP) and dealership profit are concealed behind the displayed numbers, the deal can be "adjusted" to please the customer but keep the same sale profit.