no, i just know how Fords rates can be, no matter the current "rate of money flow." was their rate they showed you what is was because of the price of the car? Some dealers do deal that are a loss on the front with the caveat that they are making money on the back. then you just refinance after a few payments. win win for everyone.You sound like a dealer who thinks money is at a premium right now. Not a good deal with 30% + Down and great credit. Hate that people think this is acceptable with the current rate of money flow.