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Such long term loans can present consumers and lenders with heightened risk. With a six- or seven-year loan, it takes car-buyers longer to reach the point where they owe less on the car than it is worth. Having "negative equity" or being "upside down" in a car makes it harder to trade or sell the vehicle if the owner can't make payments.

eft to themselves, people tend to sort themselves

out into communities of like-minded neighbors.

None of this should be surprising. Individuals and groups of all sorts have always differed from one another in many ways, throughout centuries of history and in countries around the world. L