I really wish you could do the upgrade program without going into the store. I'm two hours and 10 minutes away from the nearest Apple Store, and my wife's name is on our Verizon account. Because of that, she has to be with me to apply for the loan, and therefore we both need to drive four and a half hours for me to get my new phone. I had hoped they'd make it an online option this year, but doesn't appear that will be the case.