The Quest for my new TL had many "costs":

Scouring this and other forums since May '03: 9 months of my time (hey, it's free!)

Waiting on my NBP/Ebony/Nav/AT since ordering 1/31: painful

Expecting problems I heard others have: stressful

OTD price: $35,664.85

Dealer financing: 3.1% 60 months

No Pen: I was jipped

Driving home my new TL that arrived 5 days early with no flat spotting, no vibrations at 55 mph, no rattles: PRICELESS!

--(sarcasm ON) I'm not only a member of this forum, I'm an owner too! (aka Hair Club for Men commercial-- NOT that I know anything about that! )