I see. I used Bobby Williams site to get my invoice price and that's why I wasn't aware of the FDAF cost.FDAF is part of the invoice cost to the dealer. Only when you begin getting into the makeup of the invoice do you encounter FDAF. If you find invoice cost on a website such as KBB.com, you won't see the details that make up the invoice cost. But FDAF, along with a fuel charge and destination charge, is one of those details.