I just bought a Motorola Atrix and the acessories outright. I work for a wireless dealer so I'm able to get an AT&T dealer line. I just had to provide my own phone. Now, I'm terrible with phones; although I've gotten considerably better over the last year with not once dropping my phone! Do any of you know of a good website that insures phones? Buying something at retail value.makes you change your outlook on your money. Lol.