JimI,
While I totally agree with you that "a TC45D with loader should not be more than about $22,000 or at most, $22,700", I think you'll find this is not the case in certain parts of the U.S., most notably the northeast. The dealers in these regions defend thier higher prices by saying that it cost a lot more to do business in New England. In all fairness this is probably true and New Holland does nothing to even out the pricing. There was a huge thread on this topic on that "other" tractor board that all started when people in New England found that they could get tractors significantly cheaper in NY. Accusations of dealer under-cutting started to fly and then the prices in NY mysteriously went up to be "competitive" with local dealers (at least to people in New England). Obviously New Holland got involved somehow. Anyways, I'm not trying to start up the controversy again, but I just wanted to say that prices can and do vary significantly in certain regions of the contry.