Exhibit 3.74

                         ARTICLES OF INCORPORATION

                      (Under chapter 1701.01 et seq.)
                             Profit Corporation

         The undersigned, a majority of whom are citizens of the United
States, desiring to form a corporation, for profit, under Sections 1701.01
et seq. of the Revised Code of Ohio, do hereby certify:

         FIRST: The name of said corporation shall be

                          MULLINAX USED CARS, INC.

         SECOND: The place in Ohio where its principal office is to be
located is: 3960 Erie Street, Willoughby, Ohio 44094, Lake County.

         THIRD: The purposes for which it is formed are:

(1) To engage in any lawful activity or act for which corporations may be
formed pursuant to Section 1701.01-1701.98 of the Ohio Revised Code.

(2) To purchase, receive by way of gift, subscribe for, invest in, and in
all other ways acquire, import, lease, possess, maintain, handle on
consignment, own, hold for investment or otherwise use, enjoy, exercise,
operate, manage, conduct, perform, make, borrow, contract in respect of,
trade and deal in, sell, exchange, let, lend, export, mortgage, pledge,
deed in trust, hypothecate, encumber, transfer, assign, and in all other
ways dispose of, develop, invent, improve, equip, repair, alter, fabricate,
assemble, build, construct, operate, manufacture, plant, cultivate,
produce, market, and in all other ways (whether like or unlike any of the
foregoing), deal in and with property of every kind and character, real,
personal or mixed, tangible or intangible, wherever situated and however
held, including, but not limited to, money, credits, choses in action,
securities, stocks, bonds, warrants, script, certificates, debentures,
mortgages, notes, commercial paper, and other obligations and evidences of
interest or indebtedness of any government, or subdivision or agency
thereof, documents of title, and accompanying rights and every other kind
and character of personal property, real property (improved or unimproved),
and the products and avails thereof, and every character of interest
therein and appurtenance thereto, including, but not limited to, mineral,
oil, gas and water rights, all or any part of any going business and its
incidents, franchises, subsidies, charters, concessions, grants, rights,
powers or privileges, granted or conferred by any government or subdivision
or agency thereof, and any interest in or part of any of the foregoing, and
to exercise in respect thereof all of the rights, powers, privileges, and
immunities of individual owners or holders thereof.

(3) To hire and employ agents, servants, and employees, and to enter into
agreements of employment and collective bargaining agreements, and to act
as agent, contract, factor, or otherwise, either alone or in company with
others.

(4) To promote or aid in any manner, financially or otherwise, any person,
firm, association, or corporation.

(5) To let concessions to others to do any of the things that this
corporation is empowered to do, and to enter into, make, perform, and carry
out, contracts and arrangements of every kind and character with any
person, firm, association, or corporation, or any government or authority
or subdivision or agency thereof.

(6) To carry on any business whatsoever that this corporation may deem
proper or convenient in connection with any of the foregoing purposes or
otherwise, or that it may deem calculated, directly or indirectly, to
improve the interests of this corpora tion, and to have and to exercise all
powers conferred by the laws of the State of Ohio on corporations formed
under the laws pursuant to which and under which this corporation is
formed, as such laws are now in effect or may at any time hereafter be
amended, and to do any and all things hereinbefore set forth to the same
extent and as fully as natural persons might or could do, either alone or
in connection with other persons, firms, associations, or corporations, and
in any part of the world.

The foregoing statement of purposes shall be construed as a statement of
both purposes and powers, shall be liberally construed in aid of the powers
of this corpo ration, and the powers and purposes stated in each clause
shall, except where otherwise stated, be in nowise limited or restricted by
any term or provision of any other clause, and shall be regarded not only
as independent purposes, but the pur poses and powers stated shall be
construed distributively as each object expressed, and the enumeration as
to specific powers shall not be construed as to limit in any manner the
aforesaid general powers, but are in furtherance of, and in addition to and
not in limitation of said general powers.

         FOURTH: The number of shares which the corporation is authorized
to have outstanding is 750, no par common stock.

         FIFTH: [Intentionally omitted.]

         SIXTH: No holder of shares of the Corporation shall have any
preemptive right to subscribe for or purchase any shares of the Corporation
of any class whether such shares or such class be now or hereafter
authorized.