Hi Tom: Although my avatar shows my real Volvo passion, I do own a 2004 XC70 with bixenon lights. I also found the low beam cut-off too low, but had the dealer do the adjustment under the 12 month adjustment period. So, why not ask your dealership to perform the adjustment - that's what you've paid them to do? Once adjusted, I hear the bi-xenon will self-adjust if you're changing the car's attitude! I'm afraid this may not be a simple do-it-yourself adjustment and I'm certain if you damaged something, Volvo would not cover it under their warranty. Now I'm much happier with the adjustment, so you can follow the same route.
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Cam a.k.a. CVOLVO.COM