Well, after a long day of playing with the numbers and looking at the dust under my screen I decided to return and cancel my T-Mobile plan for now. I think the next time I will just buy it for $530 and pick up a Even More Plus Plan since in the long run its cheaper. After the few days of use I think the phone is great! Works well with Google Apps and Voice!! 3G service is good where I am and the phone is just slick. Curious to keep up with all forums to see if small problems are resolved in time by HTC.