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40/20/40 is basically two seats(driver/passenger) with a flip up/down seat in the center that normally serves as an armrest. You've seen them before, I guarantee.
40/20/40 is the setup where you have the 2 capt chairs and the middle is a seat that has the back that folds down and use as a console with cup folders and cubby compartment
I've started looking a little, but am probably going to go the custom route from Superduty central, unless I can find something I like nearby that won't be a headache to install.