Update - turns out that car was a loaner with 3K miles - did not want to pay same price as others for a demo so I went back to Falls Church and Pete found a new S90 for same price ($510). Here are the specs:
MSRP: $58,990
Sales Price $43,996 (includes current incentives and Costco)
RV 51%
MF .00028
10K/36
Monthly: $510
Due at signing: $510.
Picking up car on Saturday along with a $4500 check!