20K for a keeper car isn't so bad. Back in '03, Mach 1's for often selling for sticker when they were first introduced. I traded a 2001 GT that I had about $2000 in equity in on mine, and just paid it off last year. No problems at all with it other than having to replace the rear shocks and front cowl vent under warranty, and at 42K it's running better than new.