Hi guys I wanted to say thanks for all the great info. I used it to buy a loaded 2020 Silverado Trail Boss LT 5.3 msrp'd at $57,515 and got over 11k off and 27k for my 2014 FJ on trade. Walked out paying the FJ and $21700, that's after taxes and fees. They got me into a 3.49 loan for 84 months. Didn't matter on the 0% since I had such a huge down payment so I took the cash. I'm pretty happy, I loved the FJ but for that price I'm happy to trade for a new vehicle. It sucks in Illinois because they passed a new law where you don't get full tax value for your trade anymore only the first 10k. That costs me about $1500 since the state double taxes you.