My local dealer has a loaded 2011 550 offered at 1000 below invoice. There is also a 2012 535 I am interested in. I believe I am can get the loyalty credit on either purchase, but am I correct in understanding that the 1730 Nav credit and 1000 holiday credit are only available on 2012 models? If so, and if I can get the 2012 535 at invoice +500 or so, it seems the 2011 is a worse deal, despite being one model year older. How much below invoice is a dealer likely to go on a 2011 at this point?