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THE STICKER SAYS $22,175. That’s the as-tested price of our nicely equipped 2017 Honda Civic Hatchback Sport, including a free tank of gas and a barrel of candy-apple red paint. I consider that a reasonable proposition for a British-built hot-hatch with a six-speed manual transmission and center-mounted dual exhaust.

Look, it’s just you and me out here, wandering the dealer lots by night, hiding from salesmen. I’ll tell you how it is. Vehicles that start under $20,000 are rolling bits of accountancy, designed and built…