....The main$tream media describe the automobile as an instrument of personal freedom. For the lower middle class, the automobile is an (expletive deleted) albatross. In addition to car payments, gasoline and insurance are burdens that amount to a sizeable percentage of a below-average paycheck. To add injury to insult, insurance premiums tend to be inversely proportional to the ability to pay, thanks to redlining and "credlining...." - Lorraine Lee