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Three people in the back seat is a couple hundred kilos.

Modern cars, including the XC90 have a tilt sensor to adjust the headlights automatically for this.

three people in the back seat are in front of the rear wheels/basically over the rear suspension. Its a different moment arm to have it in the trunk or on the roof.

Source: I teach statics

If you taught Dynamics you would know that the compression of the rear springs caused by most of the weight being over the back wheels would make the lights point higher.

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