Keep in mind the FFL dealer gets to collect the transfer fee, which he sets, while incuring little to no expense from the transaction. No margins, no stocking, no inventory, just receive the item, run the background check, collect that fee, hand the item to you, collect the transfer fee, document the transaction. Takes about three minutes at my dealer and he seems happy to do it. I always give him the opportunity to match the deal before I buy online. If he can come close, even if slightly above, including tax, I will buy local and have. The local dealer also gets most of my accessory purchases which probably have a better margin than the firearms. I'm usually in his store once a week and rarely walk out without buying something. I think we have a relationship that works for both of us.