Hi, My unlimited, 400-min, 200text, $80/month contract ends on Sep 20, 2015. I was upgrade-eligible for 2-year renewal contract only if I ordered from ATT site. I tried on ATT site for about 1.5 hours beginning at 12PST but kept getting rejected so I ordered from Apple as I have always done. My question is: Are there any benefits to paying full price? It seems not as I will still be paying the subsidy whether my phone is paid off or I am on a 2-year contract. I don't mind paying full price. I just don't want to pay extra for a phone that is not subsidized. Is there a way to get my bill lower because I have already paid full price for the phone? Is the only benefit that I can leave ATT at any time and sell the phone at any time? Is the full-price phone even unlocked upon delivery? Thanks.