The following formula is how marketers hope ads will affect consumers: 
to purchase.
Definitions:
Finance Leases
Leasing agreements that transfer substantially all risks and rewards of ownership of the asset from the lessor to the lessee.
Contractual Agreement
A legally binding contract specifying the terms and conditions under which parties agree to perform certain actions.
Note Principal
The original amount of money borrowed or the amount still owed on a loan, separate from interest.
Interest Expense
The cost incurred by an entity for borrowed funds, often expressed as a percentage of the principal.
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Q88: Area test markets are used frequently because