So the hourly fee is only on the surcharge? And one still needs to pay for the car? Or if the car costs 20k, plus 10k surcharge it is more like 13 years until

So the hourly fee is only on the surcharge? And one still needs to pay for the car? Or if the car costs 20k, plus 10k surcharge it is more like 13 years until the rent reaches the price. Also what about insurance and maintainence?