Hi skyewalker, you even wondered correctly. The necessary punctuation in terms of surface is intended to mislead.
Value (Chambers) in art relates to light and shade: tincture, but as it's slightly obscure apart from those who would use it in that context I felt it only fair to include unusual. No money = remove tin. Up front = 1st letters. P(aying) I(nstalments) instead = replace with.