The calculator in the purse thing is sending me because I do the exact same thing but mine is a cheap one from the dollar store that beeps really loud. Last time the sales guy asked why I had it and I told him it was for his math, not mine. The payment talk trick is so real though, they always wanna say "what number works for you" like we're picking a pizza topping. My rule now is I say the out the door price or I walk, and I've walked twice this year. The 84 month loan thing should be illegal, you're paying for a car you'll hate before it's even half paid off. Good on you for laughing at that rate instead of signing it, that laugh probably saved you ten grand.