The term 'vehicle with a folding top' can be summarized as a Shay, which is a four-letter word. A Shay is a type of automobile that was produced by the American automotive company, the Shay Motor Company, from 1914 to 1923. The Shay was known for its unique design, which featured a folding top that allowed the driver to easily access the interior of the vehicle. The Shay was also known for its affordability and reliability, making it a popular choice among drivers in the early 20th century.