20K must of been with loan interest. Looking at the paperwork it is:
Sale Price 16,490
Handling 250
Doc Fee 250
Heated Grips 420
Labor for installing heated grips 129
Vehicle & Sales TA 999
Title Fees 39
Seat cover and mount bracket 410
That sums to 19k, but then there was a $750 promotion for August from BMW so 18250. Then I did a 3k down payment and financed 15.2 @ 5.3%