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gap: a 2013 update

When we last checked in on GAP, there were significant improvements in costs. Used car prices clearly bottomed in late 2008. There has been quite a recovery since then. However, it appears that pricing may have peaked in 2011, with some softening since then. Based on the Manheim Index, the used car market is about 6% off from its peak in 2011. http://pa-magazine.com/actuary/gap-a-2013-update/ #text

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