I'm thinking about buying a new car this year, and I find myselfin a position similar to some corporate insurance buyersconsidering the type of coverage program they'll choose for theirnext renewal.

I'd really like to buy a hybrid, but since gas has retractedfrom the $3-plus-a-gallon price of a few months back, it's hard tojustify the extra thousands I'd have to pay for one. Still, Ireally believe in the idea of saving oil and emissions.

I also remember the gas shortages of the 1970s and can seemyself driving around in a hybrid--albeit slowly--when my friendscan't find enough gas to get to work. I think gas probably will goup again, so eventually I'd recoup some of the initialinvestment.

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