Well, in order to meet the current trade offer from my dealer, I'd have to sell my tractor outright for $12,000 - just to break even - tractor to tractor - no options. I have included currently in the deal the four-position control valve, trading my Land Pride rear blade for a new more properly sized Woods blade... if I decide to, but I'm not sure yet, grille guard (either standard or BX model one), two grab hooks and one slip hook on the bucket, and a new ballast box. I'm betting there's close to $600 of stuff added there, so I'd have to sell my tractor for close to $12,700 to really break even. That just isn't close to what the local market will bear, and I don't have time to "show" the tractor while keeping it clean and using it at the same time, or time to let it sit while I push for the $12k. Yes, I agree the change will cost money, but what doesn't these days. I'm sure if I wanted to drag this our a few more weeks, I could snag a better deal, but time is money, a local dealer is more desired for future needs, and the 0% is an attractive option even though my balance couldn't buy a good push mower.