36 months/12K a year. I'm hoping that within the next month or 2 that the money factor comes down and/or they run a special. I'm going to try 2 more dealers but I don't think I will do any better. I remember when I leased my '05 X5, I put down around $2400,36months/12K,prem,cold,sport xenons,hifi stereo and I am paying $650 p/month.