Really think calculator would benefit from some sort of way to show to users what the MSRP discount is if MF isn’t marked up. So in the same way that MSRP discount is shown why not have a base MF field and the dealers MF.
I also would force collection of region. Then a user can see how much discount they are truly getting and when it’s reported on the forum, it’s much more comparable…ie in ca, users are getting 10% off MSRP on a $95K so and so.