The Mid-A area has no incentives on the 4Runner either. Much to the dismay of those of us who plan to keep this for 10+ years, it looks like Toyota is only making as many as they can sell near MSRP -- great for those that will buy a new car in 3 years because these will probably retain their value well. It seems like most are going for quite a bit over invoice and quite a few near MSRP.
I'll be able to get 3.95% through work, so that makes me pretty happy. I'd prefer 0%, but not much I can do about it.