Stuart, I sent you a PM. Bottom line, target the S4 in inventory the longest (cars.com, CarGurus), then don’t stop till you get 14% off MSRP. Others got it on the same car for $57,450. With 14% off and current incentives, MF and RV, I show you in the neighborhood of $592 per month, with ZERO drive-off. I’m using suburban taxes of 7%, but if you’re in Cook County you’re going to get crushed with taxes. Also note that the correct RV for 36/10k term is 56%.