I understand exactly what you mean. Readily available for reading. I purchased a car from my local dealer with no intention of losing my job. Have worked 40-60- hrs a week for years. Government downsizing and budget cuts cost me my position. After talking with the dealership I had NO problems retuning the vehicle. I however lost my trade in and had to provide an additional 1300.00 dolars in funds. Absolutly NO ramifications to my credit worthiness. It is the best policy anyone has come up with and when I get back on my feet I will buy another Hyundai.