Just an FYI, here in the Tampa area, and really in all of FL now, a lot of these dealers have a program now that finances the cost of these Metro phones. I went to the one by my house last night and they do it there. I believe it's 10% down then you make payments every payday, but you have to have a bank account. We are thinking about doing it for an S3 tonight or tomorrow, so I will let you know how it goes. It's an option for those of us that can't really drop that much all at once on a phone.You can also search the Cell Phones section on your local Craigslist and find dealers that are offering the program. I will post an update on how it went once we go back up there and fill out the paperwork.