Federal finance is a highly specialized industry, requiring knowledge of government rules and regulations, risk, and bank requirements. Few GWACs (Government-Wide Acquisition Contracts) contain the proper contract language to accommodate federal leasing and finance, and this causes difficulty with both contractor and government contracting officers. The GSA has attempted to standardize leasing terms within the Schedule 70 (Section 132-3), but these terms are not universally adopted (especially within DOD).