This site is great---several people got back to me the very next day on my previous questions. I have more questions if you don't mind. It was suggested to me to never pay more than 80% of the MSRP. (I did get a copy of that form from the dealer.) The top MSRP says 9,363.00 then there is a list of options building the price to 11,314.00 (Unit total). After that two more prices: destination charge 1081.00 and dealer prep 495.00. Grand total 12,890.00. which price do I go by to figure 80%? What is a destination charge and dealer prep anyway? This is a brand new 2002 model on the lot. Thanks again for answering so many questions. Sessy