For a 36 month lease on a Touring with NAV, with 12,000 annual miles, the lease expert at an Edmunds forum said the AHFC money factor should be .0024 with a 61% residual. My dealer is looking for .0030. Security deposit and acquistion fees are extra. Assume excellent credit. It sounds like my dealer is baking in some extra profit into the money factor (about $1,400 over the lease term). What is the best others have done?