Simply telling you per the conversation that I had with my salesperson, it is 10% less based upon today's pricing. I spoke with the extended warranty guy on this site, who can't offer it because he is toyota, and that is a lexus thing, but he said, the only place that it makes sense is in highly metropolitan areas, like New York City with astronomical labor rates. I would really double check your calculations with the service department to make sure, you may be correct, but at least in Maine that is what it is.