Is the bottom line cost for a Lazer Z the same for a homeowner as it is for a commercial business. As a business, does the dealer give you any price break? My local dealer indicated that his price to me (small lawn/landscape business) was x % lower than an individual homeowner price, but I have reasons to believe that anybody walking in the store could purchase one for the stated amount. Does anybody ever pay msrp on these? Also, what would you chose-- 20 hp koh or the 21 kaw in a 48" deck? Thanks for any input.