A shielded electric cable assembly comprises a shielded electric cable and a shield terminal. This system included twin ladder ramps which can be opened out or folded up and in either position angled from the truck bed or deck lid to the ground. A corresponding apparatus also is disclosed. A decision engine retrieves the decision rules from the second data store and the account history information from the first data store, then determines, based on the decision rules and the account history information, whether a method override should be applied to the financial account.