So the money factor :
0.00188
ADD 0.00035 (Acq Fee waive)
MINUS 0.00035 (7 MSD x 0.00005)
= 0.00188
So Acq Fee Waive 0.00035 is better than 0.0005 (better for buyer).
But MSD from 0.00007 down to 0.00005 (worse for buyer)
So, basically the MSD and Acq Fee wavie even out.