I turned in my 2018 last week. Held my breath because there were a few concerns with things that could have been an issue. Regular tires (2 months old) instead of run flats, a cracked speaker cover, and some artistic scrapes🤣. I opened the you owe letter today. Which arrived quickly, I had to reread it 3 times. Final due $192.00 blink blink😳 I am thrilled. Thank you Ally. Naturally the car payment for the new 2020 was also in the mail! But it went down $10. So at least some good news for the day.