According to Apple, I am not eligible for an upgrade until December 2011. However, it shows me a price of $649 for the 64 GB iPhone 4S. Does this require a two-year commitment? If so, what the heck is the "full retail" price? $649 plus another two years seems awfully steep but maybe I'm not understanding something? EDIT: Ooops! I'm talking about $649 for *64GB* version.