When you present a dealer with your absolute lowest OTD price (ha!)--what does that actually include? I need it spelled O-U-T for me: i.e. advertising fees, Title fees? Filing fes? etc etc etc....what? Do I include those all in my OTD price? or is that extra? how do I know what is a "reasonable" advertising fee? etc....Am I just spinning my wheels? Should I just find the Edmunds TMV and subtract $500 or should I spend all this time looking up these tedious details?