What’s the Chevrolet Malibu's top speed?

I’ve read and heard that Colorado is an absolutely breathtaking state. I want to visit, so I’m going to fly to Denver and rent a car. My only problem is that I’m not sure if I’ll be able to rent a car because I’m only 23 years old. In Colorado, how old do you need to be to rent a car?

I currently have two car loans with the same bank, but it's annoying to have two payments each month. I'd rather combine them into one and get some cash out on top of it. Is it possible to combine the loans?

My insurance company gave me money to replace my roof and some drywall after a severe storm. They want me to send them the receipt for the roof and drywall replacement. If the work costs less than the amount the insurance company gave me, will they want the difference returned to them?