Hello! My wife and I are very interested in obtaining iPhones. However, the area of Kansas that I live in does not have ATT coverage, only what is described as "Partner coverage". (Off-net) I had heard that any usage over 40% of your minutes used off-net could result in termination of your contract. This obviously would prevent us from getting and keeping service on our iPhones. I took it upon myself to read the ATT terms & conditions for iPhone use. Here's what it says in regard to off-net usage: "Off-net Usage: If your minutes of use (including unlimited services) on other carrier networks (off-net usage) during any two consecutive months exceed your off-net usage allowance, AT&T may, at its option, terminate your service, deny your continued use of other carriers coverage, or change your plan to one imposing usage charges for off-net usage. Your off-net usage allowance is equal to the lesser of 750 minutes or 40% of the Anytime Minutes included with your plan." My previous understanding was that of a pending cancellation after exceeding 40% of minutes USED. After reading this however, I'm lead to believe it's 40% of minutes AVAILABLE. For example: If we have a family plan of 1400 minutes, we could use 500 minutes monthly with no threat of cancellation. All of these minutes being used off-net. Am I correct in assuming this? ATT reps are less than helpful. Also, the majority of our usage would be calling each other. Would our mobile-to-mobile minutes count against the "Anytime Minutes" specified in the terms & conditions? If they didn't, this would make staying under the 40% mark even easier. I apologize for the length of this post. Any help in this matter would be greatly appreciated.