I have 2 questions. 1. Why are monthly rates the same for unsubsidized phones (phones bought at retail) as phones that are subsidized? I just got off the phone with AT&T about this and all they did was confuse me more. 2. Is there a discussion somewhere about best carriers? I'm debating whether to stay with AT&T or go to T-Mobile, which seems cheaper. I'm in the NYC area and get good coverage with T-Mobile (and AT&T).