OK, I see by several posts that dealers "have to" add on several items. I don't know what ones are real and what ones aren't. I have seen the advertising fees and paperwork and license fees and I have seen those in previous car purchases. But what are Wholesale Finacial Reserve and Factory Holdback ? Are these tacked on to the bottom line, or are they included on the Maroney sticker? Maybe RAV4POWER's wife, who works at Toyota can explain....