The primary reason for the prevailing global economic conditions is the absence of true Christian Finance in the Americas since AD 1701.  True Christian Finance (TCF) is the central solution for every problem on earth when used as prescribed.

EXAMPLE ONE:

A TCF operation is approved to provide the victims of the recent storms in the Southeast (and others) with:

• fully-equipped, self-contained, insured and licensed mobile-living vehicles

•  employment and university education with lucrative income,

• social income insurance and collateral,

• and a permanent, land-based, private-home within 2-years. 

• permanent, continuous income for life, retirement and after-life.

at absolutely no cost to them, government, or anyone, ever.

The vehicles are fully equip to sleep, cook, bathe, work, school, store, entertain, exercise, and live indefinitely under all laws.  Each vehicle will be fitted with a biofuel electricity generator (B4^ Engine) as they become available.  Every vehicle may subsequently be converted to electric drive (EVC).  The motor-vehicles (large SUV's, vans, box trucks, semi-trucks, boats...) are all to be newer, free of repairs, be without upcoming maintenance costs, but cannot be brand-new, cannot be an existing RV, nor be an EV at the onset.  Plus TCF principles compliance.

1.  to populate the dynamic general ledger:... Also to include social insurance and manpower to resolve PEXOs and SDGs...
   In the beginning

    and each person will be furnished with social insurance.

   1. An executive-producer (agency, individual(s), group) is selected under all laws and the Christian Finance Inc principles.

   2. A molecular special-purpose-entity, private-stock-exchange and escrow are registered for the operation:
       PAL Owners Trust & Escrow Co / PAL Stock Exchange Inc

   3. Lease-Backed-Securities (LBS) buyers are predisposed at a guaranteed ROI to buy the portfolio as it grows.
      25% of Gains%, Round = 2-months.

   4. Securities-Backed-Loan (SBL) financiers are predisposed at a guaranteed APR and structure:
      2.5% A.P.R.

   5. A number of lessors, and their analysts, are obtained, trained, and maintained by Extemplar University with www.VFLO.Us franchise licenses

   6. The present & future values of the intrinsic R&D securities and the Virtual Fleet & Lease Office stock are reestablished and recognized under law.
      1 billion shares at $3.80 each

   7. We estimate the goals for volume and time, establish the Average Cost of each vehicle, the SBL%, the LBS% and the Gains%
      65,000 MLV's in 12-months, $30,000, 2.5% APR, 25% of Gains%,

2.  

It is important to know while you are doing the math below: 

1. Doubling in appearance as an act of kindness, even though it's free to the consumer, no interest is charged, and there is no investment-risk; the average regenerative-self-funding motor-vehicle operating lease immediately generates 37-times more return than a contemporary loan or lease charging 25% interest (annual percentage rate).  When people (herein "actors") use my assets to actively participate as an executive-producer, a licensed lessor, or participate as a portfolio buyer, those profits are paid directly to you as they come in.  It can be licensed to anyone as a participant, and it is for the benefit of all consumers, regardless of religious beliefs. A person, or entity, can only be excluded for comingling semi-Christian, or anti-Christian, finance or misusing any of my assets with or without a license.

2. Here, "True Christian Finance" (TCF) is juxtaposed to semi-Christian finance, and TCF is strictly the opposite of anti-Christian finance motor-vehicle funding.  The TCF software engine is autonomous, meaning it is self-perpetuating and fully operational under all laws without charging interest, it has no external influences, no expenses nor financial dependencies. Unlike any other funding mechanism, TCF provides an exponential volume of vehicles for an operation without a cost, loss, debt or risk to anyone – in addition to that profit.

3. TCF No credit - down payment - sales/promotion/advertising, etc elimination of costs & loss = higher profit for lower expense of money and time.

4. Kim's funding engine is fueled by securities as input, with the vehicles, cash and more securities as the output/exhaust...

5. The TCF self-funding engine is also a socioeconomic solution  for non-actors because anyone and everyone can deposit cash into its origination fund where their money grows at the same exponential rate without any possibility of default or delinquency.  Non-actors abide by the same principles and consequences as everyone else.

6. I distribute licenses for prescribed use and I allot the intrinsic securities without a charge because I (the principles engineer & guarantor) am also compensated internally.  Not in cash – my net-worth grows as the actors use my systems©, securities, & services to fund their operations. I back-pay my family to the origin of self-funding and regenerative finance, which is the invocation of inalienable perpetuity for the whole denomination.

The best way to demonstrate the power and benefits of self-funding & regenerative-finance today is to exemplify the modernized calculations of operations to fulfill some executive orders and achieve the sustainable development goals. You will see how it applies to your personal goals...

please read through the origin first,

Choose synonyms:. Choose Religion or G.O.D. explain G.O.D. General Order of Descent`

Positions of action and reward.

Peaceful recovery of the global economy, simultaneous.

General purpose:

 Value questions:

FINANCIAL PHENOMENA

Exemplified inline below, only the original principal cash deposit is used for origination in subsequent rounds of lease-backed-securities sales (LBS).  The guarantor's stock stays in escrow until the end of the lease. Each month the gains are channeled to the lessor, SBL, insurance company, etc for periodic payments.

(Cash Deposit Amount (1 x Gains% )) - Upcoming Periodic Payments = Cash Deposit Amount

 At the end of the lease the original Cash Deposit Amount is returned  to the SBL and the shares in escrow are returned to the guarantor with a significant, overall increase in stock worth because of their intrinsic value.  In this manner of growth, there will always be enough guarantor's stock to perpetuate the operation as the vehicles wear out, leases terminate and require replacement. 

ORTHODOX LEASE PAYMENT:

Cash Gains ÷ Vehicle Cost ÷ Gains% = Total Portfolio Size

ORIGIN

MULTIPLICATION OF MONEY:

Regenerative-finance and orthodox operating-leases originated in 1700's BC to "grow" fleets of galleys and corvettes to establish and protect world trade, a.k.a. Liga Teutonica.  For the same reason as the TCF engine today, no interest charges were applied in the lease contracts.  The principles-engineer added a percentage of the operation's gains to the ship builder's price to calculate the Capitalized Amount and Lease End Value of each ship. Thereby, the majority of the cost of trade to the merchants was spread out and paid after trade-profit was collected by the merchant marines.

Orthodox Operating-Lease Payment = (Capitalized Amount - Lease End Value) ÷ Contract Term

Hebrew-doubling was the rate of Gains%.  The series of lease payments for one ship over the term was equal to twice the amount of the shipbuilder's cost, which paid for the construction of two more vessels when the lease was sold or attached as collateral.  Those two in turn paid for the construction of four more ships in the second round, then eight for a total of seventeen, a total of thirty-three provided by the fourth round, and so on until the operation's fleet requirements were fulfilled. 

Let's say here for this example the gains-rate was 100%, the initial fleet was ten boats, the shipbuilder's cost was 10,000 coins each, and it took two-months to build, deploy, and securitize each batch:

Or
(Initial Fleet Cost x ( 1 +  Gains% ))^{^Builds} - Initial Fleet Cost = Coin Gains
(100,000 x (1 + 100%))^{^7} - 100,000 = 12,700,000
And
 Coin Gains ÷ Ship Cost ÷ Gains% = Fleet Size
12,700,000 ÷ 10,000 ÷ 100% = 1270

12,800% return on investment.  In 14 months from an initial investment of 100,000: this operation rendered 1,270 ships, 12,700,000 coins to the actors, and 25,400,000 incoming to the lease-contract-owners over the term. The author was Ephraim bin Josef.

SELF-FUNDING MECHANISM:

This coin was minted 105 BC for Legion X depicting a Teutonic steam drive corvette. 

The creation of self-funding (internal payment contracts) began in the 2nd century BC when the principles of regenerative-finance and leasing were refined by Mercurius Kimbrianus living in Heiligenberg, Germania Superior. Way different than new-vessel fleet building, this operation equipped existing-corvettes, that had already been capitalized and securitized, with the Teutonic turbine engines and fuel.  The coins were already in circulation for the manpowered-boats.  The manpowered-boats lease payments were already ingrained in the price of goods. Losses incurred from war and theft had not been recovered.  Alternative, additional funding was thereby needed, but there was a volume of explaining, promotion and "sales work" to get affirmative-action from the lease-owners, operators, merchants or from potential new sources, to make the transition.  He also wanted to solve the problems of crime within the monetary circulation, and stop war for money on the trade routes along the way.  Importantly, Mercury also wanted to deploy the power-boats as soon as possible - right away.

Several sizeable world problems would be solved all at once when Kimbrianus incorporated self-funding into regenerative finance.  While the contract terms, finance calculations and securitization procedures to create the self-funding solution were much more complex, several advantages emerged because everyone agreed both the value of these motor-boats, and the engine inventors' net-worth, ascended astronomically.  He noted the value of each vessel ascended when the engine was added, then declined as the engine wore out over time. But, the patent-values (inventors' inherent securities) never declined. Their R&D stock only ascended as every corvette was up-fitted, again when each ship was renovated & re-leased, and escalated again whenever the engine-design, or the availability of its fuel, were improved. 

1. He made changes based on nautical mileage to the calculation of the Lease-End-Value to account for the engine's depreciation. This resulted in unique lease payments for each vessel, which in turn caused changes to the general ledger accounting procedure and to the orthodox lease payment structure.

Total Monthly Payment = (Capitalized Amount - Lease End Value) ÷ Contract Term) + (Lease End Value x (SBL% ÷ 12 x Months in Round))

2. The rate-of-gain (Gains%) was raised from 100% to 200% so three-more ships were upgraded after the sale of each lease. Therefore, the Gains% per round grew from 200% (doubling) to 300% (tripling).  So, when lease batches were sold every two months (exponent of 7), the annual Gains% from the Kimbrian Finance engine grew from 12,700% to 109,300% per year.

3. He revised the calculation of the Lease Capitalized Amount to include the Gains% plus an SBL% and a predisposed Investors% for rapid, short-cycle sales of the lease-backed-securities (LBS's) within a special purpose entity (SPE, Trust company).

4. He constructed an exclusive stock exchange and escrow in case of damages, for willful R&D stock sales, and to consistently reassess the inventors' securities' value as fleets grew.

5. He contracted with moneyed people to loan small amounts of cash to him, to be backed by inventors' securities (SBL's), to:

   1. pay for the initial engine upfits until the leases were sold (a.k.a. origination-funding),

   2. hold the lease-end-value outside of the payment-streams until the end of each contract,

   3. and, so he could provide cash for each monthly payment when it was due without cashing-out inventor's R&D stock, in this self-funding formula:

Self-Funding Deposit Amount (coins) =  (Total Monthly Payment x Months in Round ÷ Gains% ) x (1 + (SBL% ÷ 12 x Months in Round))

Escrow Deposit Amount (shares) = (Coin Deposit ÷ Share Value)

An example of self-funding given a Gains% of 150%, 60-month term, SBL% of 2.5% (APR), 2-months in each build/round, a Total Monthly Payment of  261 coins, and inventors' stock value of  18.39 coins per share:

(261 x 2 ÷ 150% ) x (1 + (2.5% ÷ 12 x 2)) = 349.45 coins

(349.45 ÷ 18.39) = 19 shares

• 19 shares are attached by the SBL owner at 2.5% APR and transferred into escrow.

• 349.45 coins are deposited into the origination fund and used to pay for up fitting (in part).

• 349.45 grows by (1 + 1.5) in 2 months (1 round) to equal 873.63.

• 2 payments of 261 each are made to the lease owner and 2 fees of 1.09 are paid to the SBL owner leaving 349.45 in the origination fund for the next 2-months' payments: (873.63 - (261 x 2) - (1.09 x 2) =349.45.

• 19 shares (or an amount equal to the inventors' stock adjusted value) stays in escrow to guarantee self-funding of each lease payment until the end of the term.

• The investors' R&D stock share value is reassessed based on the fact 19 shares worth 349.45 generated 15,660 coin-value over 60 months (and can continue to do so on any number of TCF leased-vehicles without fail indefinitely.)

SYNONYM CHRISTIAN FINANCE:

The relationship of world-funding / global ethnology to Jesus Christ was made through Joachim Heiliger, high priest and silver mine owner from that same area, a.k.a. father of Mary Immaculata & maternal grandfather of Jesus. The biography of Jesus Christus contains several books, articles, artifacts including his ascension coin cabinet and the first patent on the subject of Christian finance among others.  In essence, Jesus saved the world today by codifying Christian Finance and the laws, documentation and principles foundation. He had already been made King of kings by universal signatures within the authentic epistles, which are also signed by him.

Chronicle of the creation of the world
The work is divided into three books: the first extends to birth Christ, the second deals with the question of lifetime Christ, the third the following time.

Pope-Emperor catalog in two columns of Christ and Augustus
Our Lord Jesus Christ was the first and supreme pontiff (Pope part), Octavian Augustus ruled before the birth of Christ (Emperor part).

Statement and reinterpretation for a Council of Basel
Provided, Christ founded the church as a monarchy

Gloriosus mundi rotundi architector monarcha supremus!
"The supreme monarch, the glorious architect of the world round!"

Jesus Christ: Our gain in life and in dying!
Josaphat, who turned to his Reformation and brought his people to the Lord of their fathers Volck
 : From 2. Chron. 19.4 looks at the 5th Martii; And obey this other Evangelical Lutheran Jubilee years, helped His friends to awaken...

The books, patents and the coin cabinet of Jesus Christ prove indelibly we are all related by blood or money, usually both.

PLANT PROTECTORS & ORIGINAL PROVIDERS:

The TCF engine, the PAL Platform, and you when you log-in, are protected under the whole rule of law.  To enable your interactive operation(s) planning and reports, I give each of you a secure profile and space to store your calculations and collaborate.  There is no reason to steal or convert any or all of my software, securities or services since I provide them without cost, but we might need insulation from some anti-Christian lenders down the road.  To facilitate this, everyone is required to register & log-in for access to protected information, formulas, interactivity and their personal storage space.  No personally identifiable information (PII) is required.

 and establish social insurance || with an additional profit |

1. [remove social insurance and put it in my improvements] move fast-forward to today, add my improvements, and use my formulas

2. What about log in for calculations and security.?

It's true. Right here, right now, with no investment or personal labor - using only the self-funding mechanisms listed on this page - you can:

• House 4,337 homeless children & their parent(s) in fully-equipped, self-contained vehicles in one year. Your is $37,647,680 cash for doing so.

• Or continue for a second year, you will provide mobile-living vehicles to 35,623 homeless & received $283,469,562 in cash.

• If you go on year three, you will have provided 271,196 mobile-living vehicles and received $2,134,394,271.

• In four years: 2,044,945 vehicles are provided and your take is $16,070,998,502.

OrOr in a similar fashion for the same amounts of gain, you can built a rental fleet of electric vehicle conversions, each with its own onboard electric generator / charging system. Or it can be self-funding, self-charging semi tractors. Or you can build up a fleet of any special-purpose vehicles (boats, airplanes, etc) to fulfill presidential executive orders like cleaning HAB's from bodies of water, taking care of wildlife and restoring the ecosystem. Or, you can use my assets to create a geneal portfolio that provides self-funded vehicles to individuals, households, and small business entrepreneurs. House elderly. Provide vehicles to the young, first-job workforces.  Or even convert all current loans and leases across the nation to self-funding contracts and wholly repair the USA economy at once.

provisions

This methodology is exactly the same principle of the TCF engine today with the addition of  the Germanic lease-backed-securities (LBS) portfolio sales molecular wherein the cost of building the initial fleet is multiplied exponentially and 

The gains are created when we add contractual or physical value to the vehicles.  Only orthodox TCF lease contracts written on only preowned motor vehicles without interest charges qualify for the gains of regenerative-finance, self-funding, AAA+ placement and the socioeconomic insurances. These formulas, and the PAL programs© that create their variables, are the foundation for self-funding motor-vehicle operations.

TCF Lease Payment = [ ((Capital Cost - Lease End Value) ÷ Term ) + ( Lease End Value x SBL Monthly%) ]

Regenerative Finance Gains = [ ($Initial Portfolio Value x (1 + (Gains% - Investors%))^{^Rounds of LBS} - $Initial Portfolio Cost ]

Self-Funding Deposit Amount = [ (Total Monthly Payment x Months in Round ÷ Net Gains% ) x (1 + (SBL Monthly% x Months in Round)) ]

FV3A+ Gains =  [ ($Initial Portfolio Value x (1 + Investors%))^{^Rounds of LBS} - ($Initial Portfolio Value x (1 + Net Gains%))^{^Rounds of LBS} ]

Social Insurance Benefit = [ (Deposit x (1 + Net Gains%))^{^Rounds of LBS} ]

VARIABLES:

PrProducer:

OperationNo:

DDescription:

Solution4: nput name='Solution4' id='Solution4' type='text' value='' size='10' onKeyDown='if(event.keyCode==13) event.keyCode=9;' onChange='document.Form1.WhereGo.value = 66;document.Form1.submit();'/>

SBLrate:

CEVpercent:

LBSportion:

LBSfee:

CTerm:

MoInRound:

CEV:

AmortMo:

CEVfee:

StaticMoPays:

TotalMoCost:

PurchPrice:

LessorIfee:

RAIfee:

RAMfee:

SAIfee:

DOMIfee:

DAIfee:

ContractGain:

Ccost:

LocationGain:

Lcost:

PhysGain1:

P1cost:

PhysGain2:

P2cost:

PhysGain3:

P3cost:

TotalGains:

TGcost:

TimeFrame:

ESPvalue:

Self-funding elevates the value of the vehicle, simultaneously eliminates 90% of the cost of deployment, 100% of the risk / cost of selling the lease contracts, the cost of crimes, and administration costs of collecting. The cost of consumer credit is also removed.  Interactive calculations appear below in the next section. I am combining the example of  the ancient self-funding mechanism with my formulas below because I have made significant improvements, self-protection, automation, modernization, molecularity and I added an important input/output channel. 
&  my R&D stock for securities-backed-loans (SBL) to fuel the creation of orthodox lease-backed-security (LBS) portfolios for your sanctioned operations.

A highly detailed pro forma is available below for the asking regardless of amount of your participation.  If your amount is less than $25K, please divide that amount by 25K, then multiply the "IO $ Bal" result by that fraction. There are many uses for this platform like revising a rental fleet, housing homeless w/children, furnishing hospitals, police, or freighters with fleets, and even community groups of households. As an example, an Owners Trust (General) Portfolio starts with an initial primer amount of $5,000,000 that grows on a fixed scale to $139,277,693,605 (2,785,554 % ROI) after 30 rounds of securitization, approximately 5-years, at PAL's factor for a lease-grade of:

Fleet Prime+ Prime Common Preferred Reimaged Anticipated

If your individual originator (IO) pledge is:

The PAL Platform produces only 100% FDIC-compliant securities under technically-enforced compliance with the trust agreement which is governed by 12 CFR 12, all LSFI laws, and UCC / CISG compliant master-lease agreements which are governed by US Banking Laws § 303 and SEC Regulation AB.  (See All Regulations) PAL portfolios are highly desirable and legally marketable worldwide.  PAL LBS securities are ultra-high-yield since all contracts are true, level-yield, closed-end, master-lease instruments.  The EBT fixed-income rate for (Anticipated) portfolio investors is 8% APR and their FV ROI is 172.39 % EBT.  Contact us below for lease owner IRR calculations.  Like originators, LBS buyers and subsequent owners are fully protected from any loss whatsoever during the term of every lease and disposal of every vehicle in the portfolio regardless of vehicle, usage, lease-grade, or credit-tier.

PAL's  "praetorian style" lock box immediately pays the originators +/or lease owners at the threshold of any default, delayed payment, residual value error or catastrophic loss... any monetary loss whatsoever.  Along with the customary chattel lease paper and insurances, we maintain cash in the Trust's escrow equal to or greater than three (3) monthly payments for the entire active portfolio; plus an amount equal to three (3%) to ten percent (10%) of the total of residual values; and we maintain an amount of our enterprise stock equal to the principal balance of the entire portfolio in escrow.  Losses are absorbed and either made into new profit or litigated by the PAL Platform© lessor who created the lease.  The oversight funds are then replenished.

Lease Creation, Transfers, Re-Leasing & Re-Marketing Circle

180° from dealership leasing, PAL lessors are 100% go-to-marketers on Internet since our founders worked with the creation of the Millennium Digital Commerce Act and the creation of Courts.Gov in the mid '90's. More than blasting email and dropping off vehicles, the PAL system© is a time-stamped rule-set of "asset-id-numbers" that create leases with military precision seek n sell campaigns©. Every auto and lease are numbered of course, but so is every added/subtracted item, auction, consumer, staff member, pay & rate participation, geography, and source of funding... thus establishing an indelible footprint inside the campaign for multiple monetary purposes starting with the end result – where the vehicle is going at lease termination, early or scheduled.

A campaign commences with deep-dive research on the quality and quantity of target vehicles at wholesale auctions (or about to arrive) usually waves of certified off-lease units from a prior factory incentive. Due to new vehicle sales, lease, and LBS tactics, the same number of each model will come to market in the same month, year after year.  Census, Labor Board, and other demographics, including the number of newly eligible drivers each day in a qualified area, define the target market.  Before the campaign is launched, the Research & Senior Analysts become foremost experts on the model and market. Their knowledge expands throughout each campaign, which lasts for years, even decades, in parallel to its LBS portfolio funding.

When a lessee wants or needs to trade vehicles, or a default occurs, the footprint automatically routes the ticket to the original lessor (team) since they have the intimate, eminent market and inventory knowledge, rights to the new profit and sustained rate income, as well as the economic tie to the LBS portfolio along with an inherent responsibility to the originators to make it grow.  Orthodox PAL lease structures enable and encourage multiple lease assumptions while eliminating contingent liability and future responsibility from the original lessee.  Within this methodology, the PAL VFLO© engines' fuel is their exhaust.

High granular solvency of each PAL portfolio is established from the beginning by eliminating $1,000's in the merchandising and marketing steps, then sustained by constant-yield amortization structures and consistent awareness of changes to the drivers' habits; while the risks of default and the losses of prepayment on early termination are reduced to a time-element with the ingredients for a resolution in hand and quick cash payments in the meantime.

Since PAL lessors also participate in fixed monthly rate income, an arena is created where solving each problem is an opportunity for additional leasing profit while sustaining the original lease. This is accomplished through a legal lease transfer in most cases, or adjusting the terms of the master-lease in others.  While PAL does not guarantee payment of the remaining lease-fees on an early termination, we do offer first right of refusal to the lease owner on both the new lease vehicle for the original driver and a subsequent lease for a new driver on the original vehicle.  Thus, the liability of losses, and importantly the risks of prepayment, are mitigated at an exponential profit along with great customer and franchisee satisfaction.

PAL originators and lease owners are also insulated from bankruptcies, legal aggression, severable pension and vicarious liability claims, consumer fraud, employee theft, and/or unfair competition by PAL's cyber-crime software and services, ten intrinsic tech-protectors & seven extrinsic elements, and by the inherent direct leasing dynamics, like extra-high granular solvency.

Intrinsic Protection

Preowned vehicle leasing, a core component of the US economy, has been obscure and disabled for many years. The essential technology© that creates your LBS is protected by US copyright, franchise laws, global publication and its exclusive existence.  Only PAL can enable preowned auto leasing and LBS securitization. A would-be competitor's attempt to duplicate our technology© would then be an illegal organization subject to dissolution.

For the first time in history, anyone (whether they are a dealer, works for one, or not) can lease any year, make, or model qualified used motor-vehicle, with or without an electric vehicle conversion,  directly to  individuals, all types of businesses, municipalities, and governments online with our Virtual Fleet & Lease Office© franchise.  Past UVL leasing was limited to a few light-duty, current to 4-yr-old models on shorter terms and based solely on the ALG residual guide book. That "standard" has not been copyrighted since 2006, is 100% faulty, and often fraudulent.  Our Real-Time Residual Value Calculators are the only on earth with accuracy guaranteed in cash upon error at early or scheduled termination. With no viable competition in the used leasing arena, setting residuals properly is no longer a political football game.

PAL's enterprise value is substantial, and the cost to the consumer of the oversight funds are negligible, because this platform creates consumer savings of around 60%.  Only PAL lessees can trade at will and avoid the higher costs of maintenance and repairs.  Nonperforming and single-minded parties, along with their costs and waste, are eliminated from the equation while four sources of income are enabled instead of just one. 

Unlike captive new-vehicle leasing, all PAL leases are true, level-yield amortization, master-leases with a fair early-termination payoff and a full, legal lease-assumption clause that can be executed multiple times. Coupled with the rigorous vehicle acquisition software©, our unique real-time residual value calculators, and the Virtual Fleet & Lease Office© (lessors) pay plan, this orthodox structure creates granular solvency and preempts losses from prepayment while affording maximum flexibility and the absolute lowest cost to consumers as they navigate changes to their driving habits during the economic crises. To enable and administer these interactions, we built and support Auto Lease Auctions a unique 3-way bidding, wholesale and retail, peer-to-peer marketplace.

ACCOUNTING AUTOMATION: The PAL True Car Cost© module is fully automated for all payment functions from the purchase of the vehicles to payroll and remarketing of off-lease vehicles. The system issues sight drafts when all the criteria for buying a leased-car are met. In addition: 1) PAL's general ledger is duplicated in our commercial bank with a separate number for each account, including each originator, 2) Manheim Auto Auction financial services, guarantees, and policies fare a rigid form of accounting integrated into the PAL Platform©, 3) We use SmartCash® at SmartAuction®, both part of the Ally Bank Dealer Network, which fits nicely with our online remote lease long-distance deliveries, local installation of EVC's, and help with off-lease vehicle disposals. There is no room for errors or subversion.  Audits are always available because reports are made in real-time as revenues are received and payments are made under government observance and regulation.  Activity is logged in each Originator's Queue with percentile accounting available for your review and self-governance 24/7.

HUMAN CAPITAL: Your wealth comes from distribution of  knowledge on a case-by-case basis.  Much better than depending on auto dealership sales staff, who have conflicts of interest, VFLO© enables mass remote employment of non typical personnel for the sole purpose of practical application of orthodox used vehicle leasing.  Training them and protecting them grows money faster.  All participants, including buyers and lessees, sellers and lessors, are made members of the Fair Vehicle Leasing Association, a 501c6 business league where people govern themselves [and each other] without firing a shot, going to court or any delay.  All  lessors and their employees are also protected by more powerful university law because of their participation in our Auto Economics Curriculum, continuing education, legal services and regulation administered by Extemplar University.  People logically stick with their PAL position because it is the best life for them and economically speaking, "there is no better place for them to go."

SAVING TIME:  Lessors' advertising expense, time-per-sale, and cost of delivery have a direct effect on the earning-power of  your primer money and the granular solvency of your LBS portfolio.  Each VFLO© franchise contains fifteen precision go-to-marketing campaigns to wholly eliminate promotional costs and wasting time on nonevent clientele, or under-qualified vehicles.   Everything is done and recorded online 24/7, which expands the market across the continent.  Instead of in-person, physical deliveries are made by a network of 18,000 franchised dealers for a portion of the sales profit.  It's your money; it is spent wisely without overworking the PAL NetWorkForce™.

PROPERTY PROTECTION:  Opposite of impersonal indirect new-vehicle-leasing, PAL lessors are continually informed of each vehicles' condition, mileage, upcoming maintenance, and debt/equity ratio.  Awareness Technology© includes routine auto-value reports, lessee interaction (survey) via the monthly statement, and when merited, like for a low-credit grade, an EVC, or a ride-share driver, the lessor installs a Samsara econometrics reporting device with GPS.  The information is used to guide all of us to the most perfect, the most sellable leases, minimize subtractions from escrow, and offer the best consumer experience so they repeat business during their driving lifetime. 

SELECTIVITY: Exclusive rights, licensing, plus twelve up-and-running programs© enable PAL lessors to select the cream-of-the-crop lessees, vehicles, and environments. We will not lease to people or businesses in danger of losing their income because of the coronavirus pandemic, but we can help a large number retool for a lucrative career in our industry. Vehicle mileage, equipment, condition guarantees, and a fair price close to the wholesale value are important. We buy and ship directly from the dealer-only auctions after two independent inspections and pay extra for a no fault return policy in case the lessee refuses the vehicle upon delivery.  Also, the environment where the vehicle has been driven can affect the price and the depreciation schedule. The geography where the vehicle will be driven has physical and financial considerations.  We lease only in States where tax is charged monthly on the payment. Leasing terms, vehicle ages and models are greatly curtailed in States that use salt to clear the roads in the winter.

INDUSTRY PROTECTION:  PAL is offering LBS funding to groups of angels, licensed dealers & auto auction owners to disperse control and sustain UVL commerce, hopefully forever. Even as the Trust grows and ownership changes hands, PAL UVL funding can not be monopolized or contrived.  Similarly, we are offering the VFLO© franchises without an initial or monthly cost and an Ex-U college education without tuition so they too become ingrained in our economy. 

Extrinsic Protection

The economy is round and rotates like the earth. Life, law, money and especially auto leasing run in a circle.  As a byproduct of the auto & financial crises there are no sources for pre-owed vehicle lease funding in the USA today.  Withal, there never will be other than PAL LBS.  Whoever utilizes the PAL CIP's as prescribed will control the single largest portion of the US economy harmoniously with no interference and plenty of support.

Time is of the essence. PAL is here.  All programs are running as you read this, so the PAL Platform is a today and only solution, which you can kick around, use it to make and save big money simultaneously.  Organic LBS cannot be processed with new-vehicle-lease portfolios.  If it could be done under law, it would take a crew of 127-programmers +12-years to duplicate our technology©.  There is no need for that anyway since everyone is invited to partake in PAL under law.  

Everyone needs ground-transportation. It's true, the PAL Platform© is the only solution for millions of American drivers who are so buried in their auto finance they cannot trade when they want to or need to.  Enabling auto commerce on a case-by-case basis with the flexibility to trade at will  down the road as chaotic factors dictate our futures saves lives, livelihoods, and probably many marriages as well. To incorporate UVL into a nihilistic society, PAL "sales" are a factual presentation of individual options due to circumstantial criteria entered by the prospect online. The decision to lease, buy, finance, or stand pat are strictly up to the prospect.

US education needs a face lift.  Our university enables college-grade education without tuition, full-pay including retirement as an externship with 100% guaranteed job placement. In that bargain, Extemplar is a unique provider of more than enough time and cash to pay the student loan payment on the most expensive tuition elsewhere for a contemporaneous education.

Our governments need PAL for income and to unwind some bad decisions. Auto sales tax and NVL use-tax comprise the largest portion of income for every state, some as much as 50% of their monthly revenue. UVL tax could double, or even triple that number. In example, the ripple effect of leasing merely 304,080 used vehicles in Indiana in one year could provide enough additional tax income to rebuild the entire State infrastructure in three years... every three years.

Not stimuli or a work-around, PAL is also an industry solution that clears the path for annual new vehicle sales in excess of twenty million per year; and only PAL can enable mass manufacturing/installation of electric vehicle conversions, a big boon for the financial and manufacturing worlds. PAL is the only method to make good use of millions of unsold new vehicles and tidal waves of  vehicles coming off new vehicle leases.

Fixed-income investors can depend on PAL. Underlying in mass for many years prior to, but revved up by the coronavirus pandemic, faulty new car lease residual value calculations will cause bond leaseholders unprecedented losses, as they have since the ninety's.  Auctions have been overflowing with these three-year-olds since 2016. 3Q 2020 reports tell millions more vehicles are being refused by the lending institution upon scheduled return. Only PAL can guarantee residual values on these toddlers and put them back on the street with new driver at a rate popular to everyone.  Eventual perception of this enormous value by Big Auto and their bond holders will endear them to the PAL Platform© for a harmonious future.

Prior to 1980, very few lease transactions were conducted at auto dealerships.  Today, leasing in the showroom has become the norm and the only.  PAL enables any volume of expert, remote, non typical employment by distributing its Virtual Fleet & Lease Office©  franchises with a college education, full pay, and without a charge. This includes marginalized, home-bound, disabled, elderly, and those in need of a bedside job. Analysts are usually profitable within the first nine-hours because they are trained on real vehicles and live customers.  VFLO©'s are incorporated, standalone enterprises that operate 24/7 from any Internet connection worldwide.

Viewed as an additional free sales resource by dealers, efficiency is maximized  when the sales profit is split and the leased vehicle is sent to a local brand dealership for physical delivery.  PAL Inc, the Trust owner/originators, and the dealerships capitalize 5X because each VFLO© analyst can sell five-to-six leases in the time it takes to physically deliver just one.  So, all PAL Platform participants' "new normal" is actually normal again, and careers are set up to grow without the boundaries incurred with indirect leasing.

Initially important, there is no cost to setup and operate the front-end and lease-end modules.  Historically, this cost ranges from $20M to $350M for indirect leasing originators.  This advantage compliments PAL's exclusivity to equal no competition for used vehicle leasing and no viable competition from indirect  new vehicle leasing or used car loans.

      

The preferred, premium market for preowned auto leasing LBS is twenty-five times larger than all 2019 used & new, sales & leases combined in the USA alone.

      

The availability of qualified vehicles for preowned auto leasing LBS is nineteen times bigger than all new & used vehicles for sale in the USA today.  Current availability of top quality used vehicles for PAL is 11,000 per day through wholesale sources alone.  About 84-million (30%) of the country's 280-million daily-drivers could and should be converted to a fair level-yield lease to extract equity, add flexibility, and drastically reduce the #1 cost in any budget – private transportation.  If just 13% converted to a PAL lease, the recession would end overnight and twenty-years of historic losses would be recovered in about five-years.

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PAL master-leases are the only viable gateway to redouble auto LBS by adding an electric vehicle conversion to a leased vehicle. A good EVC will double the capitalized cost of the lease and triple the value of the vehicle, so the lessee's payment will go down in most cases.  What would be the effect if PAL bought all the police cars in your community and lease them back with a powerful EVC?  What would be the savings for the operator and customers of an EVC rental fleet? UBER? Semi tractors?  How much are the take-off parts worth to offset the cost of conversion?  The calculations for the answers on a case-by-case basis are already contained in PAL's 3-way comparison marketplaces online (and free for the asking). 

1. Auto Financial Advisers Oversight Board
   This office is the only position authorized to order purchase of a leased vehicle. AFA's oversee every transaction, it is their money that is placed in escrow, and they remain responsible for all contractual obligations on all sides of every lease. Only they are granted the power to enforce the rules of conduct for each entity's working agreement to settle losses efficiently and timely to the benefit of all concerned.

2. Auto Lease Auctions
   The ultimate marketplace for auto buyers, sellers, lessees and lessors, both wholesale and retail with 3-way bidding - cash purchase, simple interest finance & used vehicle leasing. Shoppers are furnished with seven pre-bid services online and up to eighteen customized reports and comparisons to make an informed decision. The domain also presents twelve tools & services to help dealers market qualified vehicles to the public and other dealers at the physical wholesale auctions.

3. Department of Justice & Police
   An independently funded and operated squad equipped with the best technology and procedures to protect the participants, their money, and the interests of the PAL Platform during these times of chaos, corruption, high-crimes and misdemeanors.

4.  ESP Technologies World Corporation
   An Indiana industrial computer manufacturer founded in 1979, this is the technical deck of the PAL Platform. They are responsible for all automation, support, and it is ESP's stock that backs the leases in escrow.

5. Extemplar University
   The online auto economics curriculum was created with three levels of certification from courses taught at the world's largest lease-lenders and the installations of most successful lessors. It provides hands-on training for 42 positions, continuing education, police, legal services and administration throughout the platform, throughout time.

6. Fair Vehicle Leasing Association
   This is a 501c6 business league corporation for the restoration and preservation of fair orthodox leasing. It provides a fun, free place where PAL participants govern themselves without problems, going to court or any delay.

7. PAL Owners Trust & Escrow
   The originators' owners trust and escrow company is in the making for the organization, sales and administration of PAL asset backed securities. An official copy of the trust agreement is available to qualified individuals seeking a position in it.

8. PAL Truesale, Title & Insurance
   A licensed wholesale dealership (CIADA #S1464) to purchase pre-sold lease vehicles, ship directly from wholesale auctions with layers of overlapping insurance, nationwide, with access to Canada, Mexico and abroad.

   PALX Stock Exchange
   A private stock market (SEC Forms 1 & S-3) in the making to sell PAL LBS Portfolios and upgrades as they are created, as well as trade ESP INC and VFLO securities from time to time.

9. Preowned Auto Lessors, Inc
   A licensed lessor for the administration of preowned auto lease funding in the USA and abroad, under law, as prescribed.

10. Real-Time Residual Value Calculators
    Another first in auto history, RTRV's can be guaranteed because they are created at the point of sale using particular driver, environment, and market data on a month-to-month basis instead of a year-to-year published table. This allows for total market expansion and unlimited length of lease except where limited by law.

11. Virtual Fleet & Lease Offices
    VFLO's are the latest version of the lease selling systems that have been installed in franchised dealerships since 1985. Readers can indicate interest in a VFLO below to receive a full description of this important machinery.

Instead of a direct pledge of $100,000 to own 2.00% of the Trust for a return of $2,785,553,872 in 5-years,
you can pledge $400,000 to own 8.00% of the Trust for a return of $11,141,815,488 in 5-years
by using other people's money.

For example, you could leave your $100,000 in the bank to secure a loan for 60-months at:

3.25% APR 4.00% APR 5.00% APR 6.00% APR 7.00% APR 8.00% APR 9.00% APR 10.00% APR 15.00% APR 20.00% APR 25.00% APR 30.00% APR

Your most lucrative terms come from a structure that keeps money growing in the Trust like an annual interest-only payment of $20,000 at the end of each year, then pay back the principal of $400,000 at the end of 5 years after earning all that money.  Note: paying a higher rate for the best loan structure is less expensive than losses of Trust income from conventional monthly loan repayment.

Where there is no possibility of conflicted interests, originators have first rights to own/operate a Virtual Fleet & Lease Office© franchise for dual income.  Like the Trust, a VFLO© can grow to any size without investment, expense, or work.  One VFLO© can easily sell $5,000,000  worth of leases during its initial two-months, pay all its costs and flat-commissions from the fair sales profit and future rate participation, and automatically expand to serve the following rounds.  In our model, the "hands-off" Owner/Operator(s) (O/O) earn $9,527,477,774 PTD EBT in about 5-years. This is in addition to VFLO monthly rate participation: 

 

Rnds	Time (est.)	$O/O EBT	$O/O PTD	EMPs	LSEs	LSEs PTD
1	2nd month	$101,375	$101,375	12	179	179
2	4th month	$144,297	$245,672	17	254	433
3	6th month	$205,393	$451,065	24	362	795
4	8th month	$292,356	$743,421	33	515	1,310
5	10th month	$416,140	$1,159,560	48	733	2,043
6	12th month	$592,333	$1,751,893	68	1,043	3,086
12	2nd year	$14,570,324	$16,322,217	564	8,678	28,752
18	3rd year	$121,180,014	$137,502,231	4,691	72,172	242,210
24	4th year	$1,007,842,733	$1,145,344,964	39,016	600,250	2,017,519
30	5th year	$8,382,132,810	$9,527,477,774	324,494	4,992,222	16,782,594
36	6th Year 7th Year 8th Year 9th Year 10th Year	$69,713,406,799	$79,240,884,573	2,698,789	41,519,836	139,582,324

There is no reason for a VFLO© to stop growing, but like the Trust portfolio, the availability of premium qualified passenger cars at preferred wholesale auction may curtail sales in about eight years on this scaled model.  VFLO© income is also guaranteed, but only in certain circumstances and in a different way described in the Cost & Profit Analyzer - Section IV, on that web site.

In a tricast where one person primed and owns a whole portfolio ($5M minimum) and is the sole owner/operator of a compliant VFLO©, they may perfect and keep their last PAL portfolio.  If in fact the lease-grade averages to Anticipated, they can add 8% APR on top of what would then be their tax-deferred, fixed-income earnings.

Take a dual role, originator and owner, for non-general PAL portfolios like major fleets, larger municipal leases, government provisions, innovation leases, and sectional contracts in the Fleet lease-grade.

High-yield PAL leases will pass all legal compliance if tested and there are really no tranches in 100% enhanced LBS portfolios, which makes them easy to resell in part or in whole for a sizeable gain.  Owners could then reinvest the proceeds in another, larger PAL portfolio.  In turn, bundles of PAL portfolios may be attractive to large global LBS investors to help offset the losses in auto subprime, and the pending unknown losses because of the pandemic.