please pray to whatever god you worship...
I am just out of being "upside down" in my car loan, which means I owe only slightly less than it's worth. if my car is totaled, I am likely to walk away with less than $1000 and no car. the $8500 or so in payments I have made over the past two years will be a total write-off. I am supposed to find out tomorrow, please pray for me.