Four-square
When the sales person pulls out a printed worksheet with four squares on it, and starts filling them in with first-pencil scribblings, pay attention. This is where trade-in, sales price, down payment, and monthly payment figures start swirling around (on some sheets, the boxes are labeled with those words).
That four-square can be tricky to follow, and it’s used for two reasons. One: The sales person needs to show you how they’re arriving at their numbers. Two: Participation in the back-and-forth makes a customer feel like they are actually part of the deal-making. SPOILER: That’s not usually the case.