Thank you, so helpful, now I am clear I am not entering into a contract. I actually just tried to upgrade online and it says that they will only give $11.70 in trade credit for my 5s. That looks hardly a deal. I should then just keep the phone in case the new phone gets lost or something. But this means, monthly for I phone 7 is $27 a month ($650 full) OR a deal on I phone SE for $5 a month ($399 full) BUT until midnight tonight it is discounted from $16 a month). I have been googling SE. Is that a recommended phone? Sorry I have not looking at new models and am a bit clueless & Black Friday deal ends in 30 min. It looks to be a smaller model but OK enough? Thanks