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What the carriers are doing is making you pay the full retail price of the phone. You get the phones at 0% interest and 0 down usually only paying tax on that retail price upfront. So then that full price of the phone is broken down into 24 months (depending on the agreement with the carrier) and added to the bill. So either way, you are paying $700 for a new iPhone its just a matter of how soon you pay it off and how soon it will be carrier unlocked.
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MoHawkSteve: jager good
MoHawkSteve: I don't drink it though, my mohawk does
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