I had a rather unpleasant experience at my local Apple store. My father and I went in to buy him a MacBook Pro, and she offered us the $30 off MobileMe discount with no prompting. She made a point of the fact that she was required to tell us about the promotion. Here was the big lie: She said that MobileMe includes 20 GB of iDisk storage plus unlimited backup storage. I didn't realize this was a total lie until I got home and researched it. It seemed plausible because Mozy offers unlimited backup for $5 a month. Here was the really unpleasant part: She said, "It's a really great deal, some families have bought so many Macs that they will have discounted MobileMe until 2020." I immediately became concerned for the financial wellbeing of those families, if they really do exist. I asked, "To get 10 years of discounted MobileMe, did they have to pay $690 to Apple all in advance when they bought the computers, or did they get to keep their money and pay $69 each year?" She looked at me like I was an alien speaking gibberish. "They get $30 off each year." My father and I spent literally five minutes trying to get her to answer the question. We used MobileMe boxes and pantomimed money as props, and she still didn't understand. "I buy a computer now in January, but I don't need to renew my MobileMe subscription until December. If I want the discount, do I have to take $69 out of my pocket now in January and hand it to you, or do I get to keep the $69 in my pocket for 11 months and THEN hand it to you when my current MobileMe runs out?" I hold make-believe money and reach for the box. She replies, "That's right, you only pay $69!" She finally relented and admitted that Apple collects the money up front and won't refund it if you cancel MobileMe before using the extra year(s) you have bought. But she maintained that it didn't matter. We then tried to explain the economic concepts of present value and the time value of money. "That's why you have to pay interest when you borrow money." We also explained the idiocy of paying in advance for a product which is likely to change drastically before you actually receive it. In the past 10 years (or less), MobileMe has been iTools and .Mac. Who knows what these 'families' will actually be receiving in 2020. Who knows how cheap Mozy will be then, it may quite honestly be free. Ugh.