I am just placing an order for the '08 X5 4.8. It is going to be built and will be delivered probably in Jan. I'm probably going to lease it (business write off) but am still toying with buying. Do anyone know if I can float my lease rate (0.0027 MF, 61% residual) and see if January's program is better or do I have to lock in? That being said, any thoughts if the MF might come down since the Fed has dropped the funds rate 0.75 over the past several months? I've noticed that the MF is essentially about the same over the past year if not higher. Thanks.