I actually bought HCH II with Navi last June for MSRP, only because I complained to American Honda about dealers pricing their cars way over MSRP. They directed the dealer to sell me the first one that they get and I was even given a choice in colors since they had several coming in. I had to wait 3 weeks but it was worth it. By the way the dealer surmised that Honda isn't "making" any money on the hybrids yet since if they were, they would have increased production by now. At least you will get the full tax credit $2600. I would have been worse if you bought the Prius at 5K over MSRP, Toyota reached the 60,000 unit in June, and from wat I can gather any Prius sold after June only qualifies for 25% of the listed tax credit (3,100) or less than $800.