Used 2020 BMW X3 for SaleNationwide
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- White
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 122,488
- Stock #:
- D95025C
- VIN:
- 5UXTR9C52KLD95025
2019 BMW X3
xDrive30i AWD
122,488 km
$18,699
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Black
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 120,600
- Stock #:
- P89168
- VIN:
- 5UXTR9C54KLP89168
2019 BMW X3
xDrive30i AWD
120,600 km
$19,000
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Gray
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 102,867
- VIN:
- 5UXTR9C59KLD96611
2019 BMW X3
xDrive30i AWD
102,867 km
$19,995
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- White
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 138,154
- Stock #:
- 26BR8363B
- VIN:
- 5UXTR9C51KLE17788
-$1,110
2019 BMW X3
xDrive30i AWD
138,154 km
$19,990
$18,880
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Gray
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 94,206
- Stock #:
- P81376
- VIN:
- 5UXTR9C54KLP81376
2019 BMW X3
xDrive30i AWD
94,206 km
$20,995
- Year:
- 2021
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Carbon Black Metallic
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 121,048
- Stock #:
- B14512A
- VIN:
- 5UXTY5C03M9E60769
2021 BMW X3
xDrive30i AWD
121,048 km
$25,998
- Year:
- 2021
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Black
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 55,404
- Stock #:
- 727511
- VIN:
- 5UXTY5C06M9G18893
2021 BMW X3
xDrive30i AWD
55,404 km
$28,992
- Year:
- 2020
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 382 hp 3L I6
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- 8-Speed Automatic
- Mileage:
- 108,250
- Stock #:
- G249616A
- VIN:
- 5UXTY9C01L9B08554
2020 BMW X3
M40i AWD
108,250 km
$32,497
- Year:
- 2021
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Gray
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 86,004
- Stock #:
- 113483
- VIN:
- 5UXTY5C08M9D90119
-$600
2021 BMW X3
xDrive30i AWD
86,004 km
$26,590
$25,990
- Year:
- 2020
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Gray
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 128,178
- Stock #:
- 3178
- VIN:
- 5UXTY5C02L9B70859
2020 BMW X3
xDrive30i AWD
128,178 km
$19,995
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- 8-Speed Automatic
- Mileage:
- 90,417
- Stock #:
- RS0048A
- VIN:
- 5UXTR9C5XKLR10298
2019 BMW X3
xDrive30i AWD
90,417 km
$21,495
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Black Sapphire MET
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black Leatherette
- Transmission:
- Automatic
- Mileage:
- 133,020
- Stock #:
- G26005B
- VIN:
- 5UXTR9C52KLP80954
2019 BMW X3
xDrive30i AWD
133,020 km
$18,306
- Year:
- 2021
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Transmission:
- 8-Speed Automatic
- Mileage:
- 68,887
- Stock #:
- PW0276A
- VIN:
- 5UXTY5C09M9H72711
2021 BMW X3
xDrive30i AWD
68,887 km
$27,799
CarGurus Analysis:
2020 BMW X3
With 174 currently listed for sale and an average price of $26,452 CAD, 34.5% of 2020 BMW X3 listings on CarGurus are rated as good or great deals.
Favourably reviewed: Owners rated the 2020 BMW X3 5 / 5 stars.
- Year:
- 2020
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Black
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 56,835
- Stock #:
- CC99132
- VIN:
- 5UXTY5C07L9C99132
2020 BMW X3
xDrive30i AWD
56,835 km
$25,800
- Year:
- 2021
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- White
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 45,538
- Stock #:
- E00553
- VIN:
- 5UXTY5C0XM9E00553
-$1,199
2021 BMW X3
xDrive30i AWD
45,538 km
$29,999
$28,800
- Year:
- 2020
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- White
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 138,511
- Stock #:
- T34830
- VIN:
- 5UXTY5C0XLLT34830
-$400
2020 BMW X3
xDrive30i AWD
138,511 km
$18,900
$18,500
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Silver
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 97,000
- Stock #:
- AB4431
- VIN:
- 5UXTR9C59KLE12192
2019 BMW X3
xDrive30i AWD
97,000 km
$23,395
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Jet Black
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 73,000
- Stock #:
- 30UTNA91841
- VIN:
- 5UXTR9C51KLD91841
2019 BMW X3
xDrive30i AWD
73,000 km
$24,988
- Year:
- 2020
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- White
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 79,761
- Stock #:
- 26VT190
- VIN:
- 5UXTY5C04L9C32763
2020 BMW X3
xDrive30i AWD
79,761 km
$26,800
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Blue
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 141,404
- Stock #:
- 2449
- VIN:
- 5UXTR9C52KLP83188
2019 BMW X3
xDrive30i AWD
141,404 km
$18,495
- Year:
- 2021
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- White
- Combined gas mileage:
- 9 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Brown
- Transmission:
- Automatic
- Mileage:
- 65,603
- Stock #:
- SMM27951
- VIN:
- 5UXTY5C03M9E27951
2021 BMW X3
xDrive30i AWD
65,603 km
$29,995
- Year:
- 2020
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 382 hp 3L I6
- Exterior colour:
- Black
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Transmission:
- Automatic
- Mileage:
- 104,394
- Stock #:
- 32074A
- VIN:
- 5UXTY9C0XL9D48962
2020 BMW X3
M40i AWD
104,394 km
$36,156
- Year:
- 2019
- Make:
- BMW
- Model:
- X3
- Body type:
- SUV / Crossover
- Doors:
- 4 doors
- Drivetrain:
- All-Wheel Drive
- Engine:
- 248 hp 2L I4
- Exterior colour:
- Blue
- Combined gas mileage:
- 10 L/100km
- Fuel type:
- Gasoline
- Interior colour:
- Black
- Transmission:
- Automatic
- Mileage:
- 131,000
- Stock #:
- L0186
- VIN:
- 5UXTR9C58KLE13396
2019 BMW X3
xDrive30i AWD
131,000 km
$18,995
CarGurus Analysis: 2020 BMW X3
Summary
With 174 currently listed for sale and an average price of $26,452 CAD, 34.5% of 2020 BMW X3 listings on CarGurus are rated as good or great deals.
Favourably reviewed: Owners rated the 2020 BMW X3 5 / 5 stars.
Why it stands out
The 2020 BMW X3 stands out as a compact luxury SUV that keeps BMW’s sporty character front and centre. It is part of the third generation, which launched for the 2018 model year, and that generation was praised for combining modern technology with engaging driving dynamics. For buyers, that means the X3 offers the premium feel and driving involvement BMW is known for, while still serving as a practical family SUV with a high seating position and easy access.
For 2020, one of the most notable additions was the X3 xDrive30e plug-in hybrid, which brought a combined 288 horsepower and 29 kilometres of all-electric range. The broader third-generation range also included a 2.0-litre four-cylinder engine with 248 horsepower and an eight-speed automatic transmission in the xDrive30i, plus more powerful straight-six versions with up to 382 hp or up to 503 hp in the X3 M Competition. Across the line-up, the X3 was described as sharp to drive, with great feedback through the sport steering wheel and plenty of stability through corners and on the highway.
The 2020 X3 also appeals because it pairs that driving character with a well-equipped cabin. The generation brought LED headlights, Apple CarPlay and Android Auto, adaptive suspension, automatic climate control, premium materials, and BMW’s iDrive touchscreen infotainment system. At the same time, it is not the roomiest choice in its class, and some owners noted that cargo space is slightly less generous than in larger models. Even so, for shoppers who want a luxury SUV that feels more engaging than most, the 2020 BMW X3 is a strong and well-rounded choice.
Other model years to consider
- 2023 BMW X3
- Average price: $41,156 CAD
- Good/great deal percentage: 34.2%
- User rating: 5 / 5
- Total listings: 427
- 2024 BMW X3
- Average price: $47,666 CAD
- Good/great deal percentage: 35.3%
- User rating: 5 / 5
- Total listings: 397
- 2022 BMW X3
- Average price: $33,928 CAD
- Good/great deal percentage: 33.6%
- User rating: 4.92 / 5
- Total listings: 256
Similar models to consider
- 2020 Audi Q5
- Average price: $23,506 CAD
- Good/great deal percentage: 28.5%
- User rating: 4.57 / 5
- Total listings: 228
- 2020 Mercedes-Benz GLC
- Average price: $30,033 CAD
- Good/great deal percentage: 32.3%
- User rating: 4.77 / 5
- Total listings: 279
- 2020 Volvo XC60
- Average price: $28,180 CAD
- Good/great deal percentage: 37.3%
- User rating: 4.5 / 5
- Total listings: 83
This analysis is based on CarGurus' proprietary market data from October 19, 2026, CarGurus experts' opinions, and generative AI.
5.0 Overall rating
Filter by rating
Jumur
Reviewed a 2020 BMW X3 on Jul 13, 2020
The vehicle had every feature I wanted plus more. It is a good value in this segment.
Paul T
Reviewed a 2020 BMW X3 on Jan 31, 2023
The X3 M40i is a SUV with sports car performance, it’s in a different league.
Sheila's R
Reviewed a 2020 BMW X3 on Mar 13, 2021
Extraordinary ride, very personable for me, as a middle aged woman, no kids, not too much to handle and all the bells and whistles. Sexy, sleek, great on gas and I am up high enough, coming from a 3281 conv. I am pleased!
Tami H
Reviewed a 2020 BMW X3 on Jun 24, 2020
I really like this car so far. I had a 2017 X5 PHEV and decided I wanted something a little smaller. I think the size is perfect. The lease cost, after the state and federal tax credits, feels like good value to me.
2020 BMW X3 Trims
| Trim type | MSRP |
|---|---|
| xDrive30i AWD | $43,950 |
| xDrive30e AWD | $48,550 |
| M40i AWD | $55,900 |
| sDrive30i RWD | $41,950 |
2020 BMW X3 Price Trends
CarGurus tracks the prices of millions of used car listings every year. See how the average price of 2020 BMW X3 prices has changed over time.
See more price trends2020 BMW X3 Pricing Analysis
Pricing by Popular Canadian Cities
Market Area: Nationwide
Key Insights
- Highest-Price Market: The Montreal, QC market leads with an average price of $27,268 CAD, indicating a premium demand in this region.
- Best Value: The Calgary, AB market offers the lowest average price at $22,793 CAD, presenting a compelling option for budget-conscious shoppers.
- Inventory Drives Stability: The Toronto, ON market, with 88 listings, demonstrates strong inventory levels, contributing to price stability in the region.
City-Level Pricing
| City | Total Listings | Avg Price |
|---|---|---|
| Toronto, ON | 88 | $25,352 CAD |
| Ottawa, ON | 46 | $23,995 CAD |
| Montreal, QC | 38 | $27,268 CAD |
| London, ON | 38 | $24,896 CAD |
| Vancouver, BC | 32 | $25,730 CAD |
| Edmonton, AB | 16 | $25,895 CAD |
| Calgary, AB | 12 | $22,793 CAD |
Pricing by Trim Packages
Key Insights
- Volume Leader: The xDrive30i AWD trim dominates the market with 573 listings, reflecting its popularity among consumers.
- Premium Spread: The M40i AWD trim, priced at $55,900 CAD, showcases a significant premium over the base trim, appealing to buyers seeking enhanced performance.
- Drivetrain Effect: All trims feature AWD, indicating a consistent preference for all-wheel drive among buyers of the BMW X3.
Trim-Level Details
| Trim | Listings | MSRP | Drivetrain | Engine |
|---|---|---|---|---|
| xDrive30i AWD | 573 | $43,950 CAD | AWD | 2.0L 248 hp I4 |
| M40i AWD | 53 | $55,900 CAD | AWD | 3.0L 382 hp I6 |
| xDrive30e AWD | 33 | $48,550 CAD | AWD | 2.0L 288 hp I4 Hybrid |
Pricing Analysis by Model Year
Key Insights
- New-Car Premium: The 2026 model year is priced at $52,119 CAD, reflecting a 1.6% premium over its starting MSRP, indicating strong demand for newer models.
- Depreciation Curve: The 2015 model year exhibits the steepest depreciation at -71.9%, highlighting the rapid value loss typical of older luxury vehicles.
- Best Value Sweet Spot: The 2023 model year, with an average price of $33,079 CAD, represents a significant value opportunity, being priced -28.4% below its starting MSRP.
Model Year Pricing
| Model Year | Starting MSRP | Avg Price | Avg Price vs Starting MSRP |
|---|---|---|---|
| 2026 | $51,300 CAD | $52,119 CAD | +1.6% |
| 2025 | $49,950 CAD | $44,631 CAD | -10.6% |
| 2024 | $46,900 CAD | $36,907 CAD | -21.3% |
| 2023 | $46,200 CAD | $33,079 CAD | -28.4% |
| 2022 | $43,700 CAD | $28,565 CAD | -34.6% |
| 2021 | $43,000 CAD | $24,101 CAD | -44.0% |
| 2020 | $41,950 CAD | $21,664 CAD | -48.4% |
| 2019 | $41,000 CAD | $18,631 CAD | -54.6% |
| 2018 | $42,650 CAD | $18,446 CAD | -56.8% |
| 2017 | $40,050 CAD | $12,865 CAD | -67.9% |
| 2016 | $38,950 CAD | $11,744 CAD | -69.8% |
| 2015 | $38,500 CAD | $10,818 CAD | -71.9% |
These recommendations are based on CarGurus' proprietary market data from October 20, 2026, CarGurus experts' opinions, and generative AI.
How much does the 2020 BMW X3 cost?
| Metric | Value |
|---|---|
| Current Average Price | $26,409 CAD |
| Year-Round Low | $25,465 CAD |
| Year-Round High | $30,868 CAD |
| Average Price a Year Ago | $30,613 CAD |
| Change vs. Last Year | −13.73% |
Prices have softened 13.73% compared to this time last year, making it a favourable time to shop this model year.
There are 176 listings available, which gives you a solid amount of inventory to compare.
Is the 2020 BMW X3 a good car?
Yes — the 2020 BMW X3 earns a 5/5 user rating, which points to strong owner satisfaction. Owners consistently praise its blend of style, performance, and functionality, along with its comfortable ride and high-tech features. It also fits well if you want a compact luxury SUV that feels engaging to drive while still working as a practical family vehicle. With 33.5% of listings marked as good or great deals, you have a decent chance of finding a competitive offer.
Is the 2020 BMW X3 reliable?
Owners rate it 5/5, a strong signal of long-term satisfaction.
The owner feedback points to a vehicle that feels dependable and trouble-free in day-to-day use, especially for shoppers who want a premium SUV they can count on. The strong satisfaction level suggests the X3 can be a sensible long-term ownership choice, though you should still expect the usual care and maintenance that come with a used luxury vehicle.
Is now a good time to buy a used 2020 BMW X3?
This looks like a moderate, selective buyer’s market, so you can be choosy if you’re comparing multiple examples.
- Deal availability: 33.5% of listings are priced as good or great deals.
- Inventory: There are 176 listings available.
- Price trend: Prices have softened 13.73% compared with last year.
If you find a listing below $25,465 CAD, that's toward the low end of the year-round range and worth acting on quickly.
What is the 2020 BMW X3's resale value?
The current average of $26,409 CAD sits slightly below last year's $30,613 CAD.
That price movement suggests the market has become more favourable for buyers, which can make future resale a little more competitive for you as an owner. If you buy at the right price now, you may have less downside exposure later than someone who purchased when values were higher. The X3’s strong owner satisfaction should help support demand when it’s time to sell. Vehicles with strong owner satisfaction ratings, like this model year's 5/5, tend to retain buyer demand, which supports resale value over time.
Should I buy a 2020 BMW X3 or consider a different year?
If you're weighing the 2020 against nearby model years, here's how to think about it:
Choose the 2020 if:
- 33.5% of listings are priced as good or great deals.
- Price trend: Prices have softened 13.73% compared with last year.
- Owners rate it 5/5 — a strong satisfaction signal.
The bottom line: If you want the strongest mix of owner satisfaction, value, and current market softness, the 2020 is a compelling place to start. If your priority is stretching your budget further, a nearby year may offer a lower entry price, but the 2020 stands out as the better all-around pick for shoppers who want a well-liked luxury SUV with solid market support.
How does the 2020 BMW X3 compare to the 2020 Audi Q5?
| Spec | 2020 BMW X3 | 2020 Audi Q5 |
|---|---|---|
| Starting MSRP | $41,950 CAD | $43,300 CAD |
| Engine | 2.0L 248 hp I4 | 2.0L 248 hp I4 |
| Horsepower | 248 hp @ 5200 rpm | 248 hp @ 5000 rpm |
| MPG/MPGe (city) | 25 | 22 |
| MPG/MPGe (highway) | 29 | 28 |
| Average used price | $26,409 CAD | $23,474 CAD |
| Listings available | 176 | 221 |
| Good & great deal share | 33.5% | 30.3% |
Read our full side-by-side expert comparison here.
These recommendations are based on CarGurus' proprietary market data from October 21, 2026, CarGurus experts' opinions, and generative AI.
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