NosherN – HK is a stand alone option, so I just won’t be paying for it, as opposed to needing a credit. I considered buying an X3 privately but can’t get excited about them in the same way as I can the X5. I was also surprised to discover that the interior dimensions of the X3 are no bigger than the X1. I was passed on the motorway today by an X3M though in a very nice shade of silver and the colours and the quad exhausts etc looked very smart!