&$return$of$item$ from$lender$ Affiliate$Markeang$ Borrowers$buy$ companion$items$ (e.g.,$camping$fuel)$ S$and/or$S$$ Borrower$referred$ to$retailer$(e.g.,$ borrowing$as$tryS beforeSyouSbuy)$ Insurance$ Borrowers$pay$to$ insure$item$against$ damages$or$loss$