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Independent machine intelligence · Research before the decision
THE MACHINEBLUE BOOKResearch · Market · Ownership
MBB Explains · Film 15

Bronto disapproves

A very polished suit. A very reassuring payment. An enormous dinosaur with questions.

MBB Explains · 60.5 secondsOriginal MBB animation · English captions

About this film

A very polished suit. A very reassuring payment. An enormous dinosaur with questions.

Bronto disapproves of the missing information, not of all financing. The neck has entered the conversation.

Example assumptions

Fictional, incomplete contract teaser: $3,900 monthly, a label reading 12.9% APR, 84 months, an unspecified origination fee and an unspecified balloon. Principal, fee amounts, final balance and payment timing are not supplied. No total cost or interest can be derived from this teaser, and the APR label is not treated as a nominal interest rate. Neither a long term nor a balloon alone proves a deal is unsuitable or a professional dishonest. No actual lender or contract is depicted.

Educational boundary

General educational information only, not an offer of financing, a recommendation to borrow, or individual financial, tax, legal, engineering or safety advice. All dollar amounts are USD. Bob, the finance representative and their situations are fictional. Numerical examples are hypothetical, not current offers, market benchmarks, normal rates, quotes or promises of approval or return. Eligibility, terms, fees, tax treatment, ownership rights and laws depend on the actual agreement, jurisdiction and circumstances. MBB is an independent information resource, not a law firm, and is not acting as your lender, broker, attorney, accountant, financial adviser or site engineer. Consult appropriately qualified professionals and read the actual written terms before deciding. Commercial equipment credit does not automatically receive consumer mortgage protections.

An MBB Explains short, narrated by Bronto. Fictional illustrations turn machinery questions into something a little easier to understand.

Independent machinery knowledge. Understand the numbers before deciding.

Original MBB animation with synthetic Bronto narration. Narration: synthetic Bronto voice. The film uses English captions as a separate track, so they can be turned off.

Read the complete transcript

Excellent news, sir. Your payment is only three thousand nine hundred dollars a month. How terribly reassuring. Unfortunately, our friend has neglected the fees and a final payment with ambitions of its own. Eighty-four months. Bob appears to be financing this machine until the collapse of civilisation. Bronto disapproves. The monthly payment helps you judge cash flow. It does not tell you whether the complete financing is sensible. Compare the rate, term, fees, total interest, upfront cash and final balance. Then weigh the value of keeping cash against its cost and risk. Our financial professional has suddenly remembered another appointment. Machine Blue Book. Because only three thousand nine hundred a month is not bloody financial analysis. General education, not financial, tax or legal advice. Review actual terms with qualified professionals.