Use when the user wants help researching, contacting dealers about, negotiating, or finalizing a car purchase (used or new). Triggers include "buy me a car", "find me a car", "research cars", "email dealers", "compare quotes", "negotiate OTD", "buy a Subaru/Toyota/Honda/Mazda", Chinese phrases "帮我找车", "买车", "选车", "砍价", "对比经销商", and Spanish phrases "ayudame a comprar un carro", "ayudame a comprar un coche", "encuentrame un auto", "negociar el precio del carro", "comparar concesionarios". Runs end-to-end: multi-site inventory search, mass dealer outreach, Gmail reply monitoring on a cron, OTD negotiation with market-data anchors, CARFAX/service-record PDF analysis, and decision dossiers for test drives.
Use when buyer is ready to close (signing today/tomorrow), needs the day-of checklist for cash / financing / trade-in / EV / pickup buyers, F&I add-on refusal script, and timing of cashier's check / lien payoff / plate transfer. Triggers include "ready to close", "close day checklist", "F&I add-on refusal", "lien payoff timing", "提车清单", "准备签约", and Spanish phrases "lista para el dia de firma", "listo para cerrar el trato".
Use to compute lease structure (cap cost / money factor / residual / acquisition / disposition), compare lease total cost vs cash purchase, decide lease vs buy given buyer's ownership horizon, and check captive lender early-buyout policy. Triggers include "lease or buy", "lease 数学", "compute lease monthly", "money factor markup", "lease cash incentive", "lease vs cash break-even", and Spanish phrase "leasing o compra al contado".
Use to choose the right payment method (cashier's check, debit, credit card, financing, lease) for a car purchase given buyer's specific situation (card rewards, dealer POS limits, financing pre-approval, captive vs CU). Triggers include "cash or CC for car", "Visa for $30k purchase", "crypto cashback card rewards", "dealer POS limit", "Chase Sapphire car purchase", "支付方式", "买车用刷卡还是支票", and Spanish phrases "metodo de pago para el carro", "pago el carro con tarjeta o con cheque de caja".
Use to valuate the buyer's trade-in vehicle (KBB / private party / wholesale / dealer allowance), compute state trade-in tax credit, handle lien payoff timing, and decide separate-sell vs trade-in. Triggers include "valuate my trade", "what's my Civic worth", "KBB vs private party", "trade-in tax credit", "lien payoff", "评估置换车", "卖给 dealer 还是私卖", and Spanish phrases "evaluar mi carro a cuenta", "lo entrego al dealer o lo vendo por mi cuenta".
Use when the buyer is purchasing an EV (battery electric or plug-in hybrid) and needs federal clean-vehicle credit status (federal 30D/25E/45W terminated for vehicles acquired after 2025-09-30 per OBBBA — no longer available), state EV rebates, NACS adapter info, home charging guidance, used-EV battery State-of-Health rules, or any EV-specific dealer behavior knowledge. Triggers include "EV federal credit", "is the $7,500 credit still available", "former $7,500 POS transfer", "Ioniq 5 incentives", "NACS adapter", "EV charging at home", "买电车", "电车补贴", "EV battery health", and Spanish phrases "credito federal para vehiculo electrico", "comprar un carro electrico".
Use to look up sales tax rate, doc fee cap, title fee, registration fee, and trade-in credit eligibility for any of 50 US states + DC. Returns the fees in seconds rather than searching DMV websites. Triggers include "what's the doc fee in X", "NJ sales tax rate", "Texas DMV fees", "州的税率", "doc fee cap", "trade-in credit", and Spanish phrase "cual es la tasa de impuesto del estado".
Use to analyze a dealer-attached PDF — CARFAX vehicle history report, service records, or OTD proposal — and extract accident detail, service gaps, F&I add-on hidden costs. Triggers include "review this CARFAX", "analyze service records", "what's in this proposal PDF", "did dealer hide add-ons", "看下 CARFAX", "审 PDF", "F&I add-on detection", and Spanish phrases "revisar este CARFAX", "analizar el historial del vehiculo en este PDF".