Hi I love the new iPhone. I was going to buy the 16 gig for 199.99 but then I hear a out the 2 year commitment that you need by at&t. I have only been on at&t for 1 year. I can get the phone but I DONT want to pay the extra $300 because I haven't been on the service for more than 2 years. Is there a way to pay for the phone for $199? I would deeply appreciate the advice.