So here we go.

Dealer finally opens up. I talk to someone in service. I tell them the scenerio. They tell me the Radio and NAV code are different. I tell them I have the card in hand and they are the same. They tell me they have to have the car, and yank the NAV unit out to get the SN. I ask them if there is another way to get the SN. "No, we need the car for a day". I ask if I get them the SN, can they get me the code. "Sure"

I used the three button sequence to get into the NAV programming screen. (Map/Guide, Menu and Cancel) The SN is in there. I give them the SN, they give me the code.

Wouldn't you think the dealer would know this? Hey, I was talking to the service guy, guess he's not a mechanic.

Anyway, problem solved. and I updated my dang card!