I have a few queries about how Apple and o2 or At&t are working their contracts.... I've heard that with some contract deals, if you don't use all your call minutes from one month, they automatically carry over to the next month, is that true with apple and o2? And what happens if by the end of your contract you have a huge amount of call minutes unused? - Do they refund you the amount of call minutes you haven't used, or have you lost of all of the money for those unused call minutes? Oh and what if you use up your call minutes one month and need to use more?