Where are those data points?
https://www.bimmerfest.com/threads/lease-takeover-denied.727476/
I have a call into BMW’s NA press boss to see if they’ll give me a statement on the record or on background. The originating dealer where I have a long-term relationship said that he thinks my thesis is at least directionally correct, but the stores don’t have a ton of viz into approvals/denials/credit consideration criteria.