Mar 9th 2009 7:50PM The entire economy has me entirely confused right now. I have purchased three brand new hyundais from the same dealership and used hyundai finance motor credit each time. Ironically each of the three previous times i buried negative equity into the next loan. Now I own an '06 hyundai sonata free and clear with about $6,000 cash value, but I was turned down for a $24,000 upgrade with that 6 down plus about 4 in dealer incentives, citing my debt-to-income ratio. Everything is ass-backward right now, even for those who live relatively conservatively and pay their bills. That resort in Idaho, as well as other overdeveloped areas, will rebound in 5-10 years. In the meantime we better get used to our high-mileage cars.