Well, I finally got an answer that explains it all and it sucks for me. The following site shows what special offers are available:

www.fordvehicles.com/incentives/offers/
The key is that offers are based on zip code and 78726 does not offer 0% for 5 years. 06111 (CT) does however. So Ford is relatively speaking sticking it to me and passing on the finance savings onto the other guys.

Robert