I got my check engine light scanned at Autozone and it came out with code p0420: Catalyst system efficiency below threshold (Bank 1). What usually causes this code? I have a 99 2wd tacoma 2.4L auto with 110k miles. My guess would be the rear oxygen sensor because i really doubt the catalytic converter is dead after only four years. it also passed smog fine two weeks ago. Any help would be appreciated