My apologizes for the confusion. Based on the calculator and conditions of the ad, to achieve the $639/mo. Jaguar discounted $14,200 off the $74,200 MSRP.
As for deals from the dealer i am still waiting on the numbers. The original car they showed me I believe was 79k msrp and they discounted it about 68k and were asking for $876. However at the time I asked for 2.5k down.