Thanks for your quick reply.....the rate edmunds quotes is the bmw manufactor's finacing rate special for that month on only the x3 2.5i. And since i went through bmw finacing......i dont understand how it could be legal if the on going rate through bmw is 2.9%.

link: www.edmunds.com/incentives/RebateController?tid=edmunds.n.optionsresults.ntmv .2.6.BMW*&styleid=100488945&popuppage=on