the administrator is WALKAWAY USA located in Irving TX - all dealers have access to a program website where they can download a PDF for consumers to read the terms and conditions - hey - it's insurance and of course Hyundai is not going to allow a dope dealer to return their car if their main source was caught in gun fight and shot or an illegal immigrant or something show up to get out of the car loan. Get over it people - it's an insuracne policy and every insurance has a 'contract' with mouse print and the contract I got wasn't something I needed a magnifying glass to read. I encourage you all to get one and judge for yourself. I compared these to the insurance terms I had to get for my credit card - and they want .90 cents per $100 of balance, and get this - every month! So I owe 7,500 (same benfit as Hyundai) and that's 67.50 a month for job loss insurance or $810 for the year and I have to be employed for a year to qualify. Hyundai is GIVING this away and the terms are generous and reasonable. I agree with Mark - cry babies ... WHAT ARE OTHER CAR COMPANIES DOING FOR THE ECONOMY. I know, I know - it's about getting the agreement BEFORE I buy, but try that now; it's a lot easier. The dealer I went to told me that they didn't even know this was happening and that the first time anyone saw it was on TV on Jan. 2 - I guess it happened pretty fast, just like the crash in November. My lease is up soon and I'm still working and if I still am I'm getting a Hyundai - what would you get?