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For your $20K you can get a brand new '09 Honda Civic (estimated MSRP: $15,700-$19,600). Motor Trend says it's "still the best in the small-car class". It gets 42 MPG so it's a gas miser, EX models will have USB/iPod ports which she will like, it will be under warranty, and it's a Honda which means it will probably still be running for the next 30 yrs or until she gets rid of it.
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