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There are some very good factory incentives for the '04 S60 w/ premium package right now. My friend submitted a request for one from carsdirect.com. She wanted a S60, non-turbo, AT, premium package, and nothing else. Carsdirect located one with what she wanted, except that it has the sports package also.
Since the S40 is new, there are not much (if any) incentives on them.
My friend originally wanted to buy Japanese, because she didn't think she could affort a Volvo. Now, for not much more than the cost of a Camry XLE w/ leather, she can have a Volvo. She is paying about $7000 below retail for her S60.
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