Ha ha--you don't either. My numbers are facts, except for the expected MPGs, which is an approximation (for the hybrid--I KNOW the mpg a regular Camry gets on the highway). I do highway miles--it's a FACT that a regular Camry will do AT LEAST 40 mpg on the highway (if you keep it under 75, it will actually do around 42-43 mpg). Sorry to burst the bubble you live in. It's also a fact that on the highway hybrid cars typically don't do as well as they do in the city because the battery advantage dissipates. Also, my car price numbers are FACTS that I have person experience with, as are my insurance numbers. Yours are just something you pulled off the internet. Hybrids only make sense if you primarily do city driving. Even there, at best you are going to break even over a regular car like a Camry.