First off, let me just say that this is an excellent forum!<P>Now that Volvo is offering 2 free tickets until 4/19, I am really drooling over an S60 AWD. Before I go to the dealership, I'd like to inform myself on a few issues:<P>1. Financing. Are Volvo financing offers (if any) applicable? Alternatively, if I go through my credit union, won't they need a VIN to give me a loan? The reason I ask is that payment is due 30 days before pick-up and I'm not sure I'd have the VIN at that time.<P>2. Would I have to pay state sales tax? (CA) If so, when? <P>3. (this is just out of curiosity...) If the S60 is built in Belgium, why is it more expensive to pick up in Belgium than Sweden? (I have family in Belgium)<P>Thanks for all replies!