I've been following Bimmerfest for sometime now and I'm ready to take the plunge on a new e90. Going with a Electric Red 325, sport, step, and satellite radio. Talked with my local dealer and the sales manager said that on 90% of the leases they do, they waive the security deposit in exchange for a higher money factor. On my lease, they would charge .270 instead of .255, or about 8 bucks a month. The deposit would be $400 which I would get back at the end of the lease. I assume since the dealer is marking up the rate, the difference is going to them. What do you guys think? They are already marking up the bank fee by $200 and charging me $825.