Comment by WalterBright

The term sheet ruse has taken the following forms in my experience:

1. the final paperwork has an interest rate a full percentage point higher than the agreed upon number

2. the "new" car turned out to have 5,000 miles on it in the final paperwork

3. an extra $1000 charge magically appeared on the final paperwork

4. the total on the final paperwork was quite a bit higher than the sum of the figures above it