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Within the given info I would go for 2013

the only thing that would make me select 2012 is if I was told in 2013 the interest rates dropped so low, so say they go from 10-1

such a change could offset the fact that most people already financed, with such low rates people with bad credit are more likely to qualify to finance since their payments will be much lowers, as well as other things

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I thought it should be 2013

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