The finance companies which offer consumer car leases frequently require lessees to hold more-costly insurance policies than would otherwise be necessary. Automakers often view leasing as a sales tool, and artificially inflate the lease-end residual value; this can make exercising the purchase option at the end of a lease more expensive than simply financing the vehicle over the longer term in the first instance. Finally, because of the increased financial risks undertaken by the lessor, higher credit quality is generally required to enter into a lease than to purchase a vehicle. Jacksonville operates the largest urban park system in the United States, providing services at more than 337 locations on more than 80,000 acres (320 km²) located throughout the city.[4] Jacksonville gathers significant natural beauty from the St. Johns River and Atlantic Ocean. The Jacksonville Beaches area is a center of recreation and nightlife, and the many parks around the city have received international recognition. The city center includes the Jacksonville Landing shopping center and the Riverwalk. Downtown Jacksonville