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Your deal may be fine, I just don't like when people hide stuff. It will show on your paperwork when you sign it. My guess is they marked up the MF to make up for the discount but I have not run any numbers.
In many instances there is no such thing as a non-refundable deposit. If you are happy with the final price then don't worry about it since you have the details to back things up. Just relax and enjoy your vehicle once it arrives.
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