Well, I figured out it's not the weather or UV light that yellows them.
It's the installation of the no-payment option. The Bank notifies the Title Fairy who then flies out to your car at night and then yellows your headlights. If the car is British she will install an oil leak, or if Chrysler she will pull down the headliner as well.
Same Fairy Union as the Tooth Fairy.
We should encourage publicity for the Title Fairy, so that paid for cars with their yellowed headlights become a status symbol.
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