This is the deal I got from the dealership except for they gave me a payment of $475 with $1k down. I said how do you get that with the subvented MF of .00105 and they said they will not use that rate. Then I said I guess I don’t care what rate you use I just need $450 per month with $0 down. They discounted it a little more for me but seriously why won’t they use the rate that Subaru is offering?