Thank-You sir for the useful information I am off to the dealership to place the required deposit of 3K today but I've stipulations with the dealer in this transaction. These stipulations mainly deal with preventing them from adding items such as paint sealants, glass etching services etc. to the truck. The ONLY additional charges i am willing to pay for are 1) Hawaii sales tax, 2) County registration tax and 3) reasonable documentation fees. Prior to my civil service job i worked as a mechanic at a Lincoln- Mercury-Honda dealership for almost 14 years and saw all the shenanigans the sales department would pull regarding sales markups. I had thought that using the X plan would prevent this but it does not. On page 2 of the contract there is a section in which the dealer must list additional fees/charges to the vehicle, but it does not prevent them from adding any BS charges for worthless accessories. Essentially my stipulation is that they refund my deposit should they attempt to add these items ($500 for a wax job, ?c'mon) or not charge me for ridiculous add ons. Living in the middle of the Pacific Ocean does have its drawbacks, and all 3 Ford agencies here are keenly aware of this. True, I could buy it from another dealer on another island here in Hawaii but I suspect the problem would be exactly the same. Not to mention shipping, while the Ranger is very well equipped it doesn't come with outriggers and a prop.