Has anyone taken a close look at the 20" chrome clad wheels? It certainly looks like there is two pieces, the aluminum wheel with a chrome covering. I have had a 2008 MKX for 3 months and some one at a gas station told me to take a close look at the wheels. The chrome part can be flexed slightly. I am not sure what that part is made of. A relative bought a 2008 Navigator with very similar looking wheels but they are one entire piece. On the MKX the option price is $895, the Navigator is $1495. Are the wheels sold in two pieces? And could the chrome covering considered a hubcap, a $895 set of hubcaps???