I talked the lady down at Mattress Firm a bit, their 'sticker price' was $1299 on the one we liked, then there were having a $200 off sale for Columbus day, so it was $1099, then I got her to knock off $200 more, give us one free pillow ($80 sticker price but they are nice) and give me half off a 2nd $80 pillow.  Then I got her to do free delivery ($50) charge.  This is just for the mattress/boxspring since we have a nice wood frame already.   
It was for a Simmons Cape York Queen bed set.  Anyone know how to look up invoice on these things, LOL.   
Thanks for the responses, I do understand the 15 year warranty offered by Mattress Firm but I have do reservations about that, 1, will the be around if I need to claim a warranty, and 2, will they even accept a claim.  It just seems that I am paying quite a bit for the 'warranty' when I don't even think I will keep it 15 years nor do I think I will ever be able to take advantage of it.