[gmac]

It loses (less than) 50% relative to the list price, which is an important reason not to pay the list price. I'd estimate that the last new car I bought lost less than 10% relative to the price I actually paid (although selling via a dealer would probably lose another 10% or so).

On the loan rate: yes, fully agreed, this was an unusually good rate, and that makes the arrangement much more attractive.