I got 3.9% financing also, if you're looking at that route.Hey there buddy. I got a KRT ABS here in Saskatchewan for $7400 out the door but my friend works for the dealership so was able to waive the freight/etc fee which was about $500 I think. Sales tax here is 11%. They told me since it was so new and there was so much interest in the Ninja 400's they couldn't do much else for a deal for me. I think a Ninja 400 would be a great first bike. I started on a Ninja 600 in 2007 and was ok. I'm loving the 400 though.