I think this should answer all your IMBA / Subaru VIP questions: http://legacygt.com/forums/showthre...r-invoice-without-haggling-58200.html?t=58200I am a Costco member and an IMBA member. The IMBA deal is 2% below invoice. Not sure about Costco, I have to drive about 30 miles to a dealer in Englewood CO to get the Costco price and I don't generally have time to do that. Anybody compared the 2 deals? Do either of these deals require you to pay destination charge, or other hidden fees? Do they include Subaru Financing (which is 1.9% now). Thanks.