Car dealer Lee Kemp recalls feeling bemused and slightly amused when a customer told him she’d hold off buying a vehicle because she wanted to see if something better than 0% financing would surface. “I kidded her, ‘Lady, it’s 0%. It won’t get better than that. What do you think we’re going to do, pay you to buy the car?’ “She didn’t crack a smile. Instead, she said, ‘I’ll wait for something better.’” That’s one of the downsides of the auto industry’s generous incentives, ...

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