hi i believe i will have the same problem bought a cpo 2005 4.4 sport/prem package with 14k from bayside bmw in august 2008 for 30k..i am looking to get rid of it but kelly blue book is showing 24k for my truck i can almost guarantee galves is less..i will have to keep her for 2 more years so i can pay down the loan but i havent got a quote from dealer yet..i should have waited to purchase..i think i got slightly screwed...thanks rob