Ok, guys... I surely hate to even say this, but my Jag IRS rear brakes just started making that familiar grinding sound. Uh OHHHH.. So I just pulled the removable panel in the trunk and guess what... ONE of the F'ING pads has ground into the disc. ... deductive reasoning tells me the following: The rear brakes have been doing all the work, AND, one of the calipers probably has a stuck piston, since I can see that it appears to have very little wear on the inboard pad, and the other disk and from what I can see, (can't see the outboard pads from the top), the inboard pad also looks like it's still quite thick.. Hell, I have been stopping on just one pad all this time, on the rear????.... ain't no way a pad goes out in 4,000 miles unless it's doing all the work... holy CRAP.. and those that are familiar with JAG IRS inboard brakes, the only way to replace or even work on the brakes is to drop the entire rear end, out of the car, and then take it apart. Pray for me...........I'm not going to worry about the front brakes for now.. I'll be "down" for a few days on this issue... and a LOT of money....Thanks, everybody..