if this is a new rv, knock 35% off the sticker, then you want the bottom line figure tax and add on fee,s included, they don,t need to know how your paying tell them you might borrow the money, if they know you got cash they ,ll try and get more for the rv, be nice but firm on your bottom line, and go home if the won,t wiggle, you,ll get a phone call. on,your way out the tell your wife your going down the road and look at a another rv, just loud enough they here you. when you get there bottom price knock another couple grand off that. its the end of the season, and new models are coming out.