As dean pointed out, dealers can exclude and particular model of vehicle from a factory plan.Full MSRP pricing is accurate. No incentives are on this vehicle. It only became eligible for x-plan from the factory within the last 2 months. This will most likely be the case for at least 6 more months from everthing I hear about supply.I checked with a local dealer in late November about xplan on an XC90 for someone I was sponsoring for the plan. The sales manager indicated they wouldn't sell a vehicle on the lot for x-plan (they only had 1), but would sell one out of their pipeline for a late Dec or early Jan delivery. This would obviously be market and/or dealer dependent. It would help if your sponsor could get the 'real' information from someone they know at a dealer. The salesperson that my friend had gave a little bit different spin on things than the sales manager gave me. Nothing as far as lying or dishonesty, but as any good salesman, he tried hard to steer her to a vehicle that was available for delivery now rather than an XC90 that wasn't even on the lot.If this is the vehicle you want, I wouldn't waste my time on faxing or negotiating. If you can get a dealer to take x-plan pricing jump on it.If you have any more specific questions about the vehicle or process, you may have guessed I work for Volvo, so I will be glad to help in any way.