This would be stealing, as my contract obliges me to continue paying for the cost of the hardware, which really isn't paid for, when I first get the phone. I agree with the others however, that AT&T should unlock the phone, once the contract is up, or that Apple should offer an unlocked phone, albeit at a higher price. I am thinking of expat pilots who live in the UAE flying for an international carrier for 20 days and then get to come back stateside for 10. They really need a solution like that. The next thing that AT&T should do, then, is have a different pricing structure for those with legitimately unlocked phones. After all, that phone didn't cost AT&T a dime.