I was asking about all the issues that the phone was having and they tried to sell me insurance. They told I wouldn't be cover by anything that couldn't be fixed in the store. So if my screen died or something then I would be screwed. That I needed insurance for them to fix the phone. Then I asked about the deductible and they said it wouldn't be an issue if they could fix it in store.. What is this crap I know this is complete BS because the screen died on my palm pre and they sent me a refurb under warranty no problem.