Just to pre-empt people asking: The Derbs drive (a) a ‘93 Mercury Topaz,

and (b) a ‘97 Chevy Malibu. Neither is a very good car, or ever has been.

The first was a showroom model with some miles on it and we got a good deal.

The second we bought because we’d accumulated discount $$$ on a GM credit

card. We paid cash down for both, no financing. For the car of my heart,

see here.