I believe that the actual cost of the tractor (possibly just this model) is 75% the MSRP. Case allows dealers the other 25% as a profit to the dealer if they can sell it for that much. My understanding is that "volume-dealers" will only seek a 3-6% increase over that initial 75%. Remotely located dealers may need additional $$$, say 9-16% over the initial 75% figure. I guess this would cover additional costs of freight and other costs of being a more "mom & pop" business. Therefore, I'd have to assume... a cash sale = Case eats the $, and a financed sale that the dealer would be giving up that portion of "sales commission." I don't know what others have found out, but...there doesn't seem to be a lot of negotiation on price from "mom and pop" dealers in remote areas. That's just what I feel. However, I do think all dealers get factory incentives that outsiders would never hear about. I also think that tractor dealers don't actually buy the tractors from the manufacture like a car dealer....the manufacture holds paper and loans the tractor to the dealer until the sale is final. I'm up for an education...am I close to being right on this? Spin