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So I should expect to pay msrp of 27.8k plus 7% tax for a build??

Looking to put in an order for an XL hybrid maverick. The extras im asking for are 360 copilot package, keyless entry keypad, and trailer hitch receiver. Ford site says 28.5k on the build, but ive been reading and see people have previously paid for similar trucks 24k, 25k, 27k. What's a...