Owner's book · not a shop
Know the car. Then the window. Factory specs in plain English — don't authorize until you can say this at the counter.
Book value · illustration
Beginner · band + book linksExpert · keep-rate math
Year, make, model, miles, and condition. Read the remaining-value band. Then open KBB, Edmunds, or NADA.
Transparent keep-rate: first year 20% off, then 10% of remaining per year, miles vs 12k/yr, condition factor, ±8 point band. Not a Cox residual unless we fetched one.
Value · not their book
Illustration, not a Cox/KBB feed.