In the turbulent year of 2009, the automotive sector experienced a catastrophic downturn. The production of vehicles took a significant hit, leading to a sharp decline in the number of cars manufactured. Major original equipment manufacturers (OEMs) such as GM and Chrysler, among others, were not spared from the fallout, as they lost their leasing companies. It was during this challenging period that Terry, armed with his expertise in leasing, embarked on a market research expedition. His mission? To delve into the realm of used car leasing specifically catered to subprime customers in the Lease Here Pay Here (LHPH) industry.