frame-fi-penetration

name	frame-fi-penetration
description	Frame F&I product penetration and PVR back-end gross inside the compliance boundary. Reach for this on an F&I question.

Skill: Frame F&I penetration

Back-end gross is high-margin, but the disclosure/pricing rules are counsel's call (§3 #4 §2).

Step 1 — Measure penetration and PVR

Product sales ÷ units and back-end gross ÷ units retailed (§3 #4).

Step 2 — Read the product mix

Which products attach and which under-attach.

Step 3 — Tie to total gross

How the back-end completes total gross with the front (§3 #3).

Step 4 — Hold the compliance line

Route disclosure/pricing/lending questions to counsel (§2).

Output

A penetration + PVR read with the back-end lever named and the compliance boundary held.