My 07 was stickered at 32, with ford X plan it brought me down to 26. X plan is 2% below invoice I believe. Still sounds like there's some room to haggle. Thats whats so great about the ford plans, dealer can't rip you off. You have to call ford for a pin number and they have access to the deal. Ford catches a dealer boneing a customer, they fine the piss out of them and redo the deal. 6 grand off of sticker is a good savings. The more expensive a vehicle is, the more you save with the ford plans. On my 01 ranger XL, I only saved 600 bucks with X plan. A dealer will NEVER lose money on a deal no matter what they tell you. When they stop haggling as thier bottom line, give them a couple of days to think about it. If they don't call you, that means they've reached thier limit and thats the best thier going to do or can do before they lose money. They won't let a deal get away if they can do it, but they will play hard ball like your robbing them. It's hard for car salesmen to make a living these days with the consumer being so educated with the internet. I tried it for a year, I know. The dealer makes money, the costumer saves money and the salesmen gets the crappy end of the stick.