Assuming that the PAYG details that were briefly posted on the O2 site were correct: My usage of the 3G iPhone will be (a) primarily checking e-mail and web browsing; (b) 10-15 mins per day calls, from my office location; and (c) fairly occasional short calls from other locations, once or twice a week. So, for example, on PAYG, making calls of 15 mins on 10 days each month would require £13.50 top-up each month, which would yield the 100s of free minutes each month from the nominated location (my office). I would, of course, also need to pay the £10 per month for data after the first six month period. Over 18 months, for the 16Gb iPhone, this seems to be over £60 cheaper on PAYG, compared to the £35 per month contract. (And, in actual fact, I would probably not make calls from other locations for as many as 10 days each month, so the top-up required might typically be the £10 minimum needed to get the free minutes.) Does this seem a reasonable conclusion, or am I missing something? All comments and observations gratefully received.