The dealer is not losing 5K by going with X-Plan, but they are losing about 30k if they do not accept X-Plan. There is no way I would ever pay one penny over MSRP, so that is an automatic lost sale if they pull that crap. Yeah, I know there is a sucker born every minute, but I think the internet helps bring knowledge and negotiating power to anyone willing to research so they do not fall for those dumb dealer tricks. I am very glad my dealer was happy to accept X-Plan...the process was smooth, fast, fair, and stress free, like it should be.