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Thanks for the advice. I sat down at lunch today with the intention of calling every dealer in my area to find one that would sell to me at MSRP. I got lucky and it ended up being the first dealer I called. They're selling it to me at sticker with all the options I want. They said that if I bought it out right I could get it $4k off sticker. Lol I'm still gonna finance it though. I went with Ted Green Ford in VT. They're the oldest Ford dealership in New England. Been operating 103 years