The Koodo Tab takes forever to pay off. For example, if i take the basic $15 plan and add a $10 calling features add-on, it will only give me $2.50 per month, or $30 per year, to my Tab. This is virtually a "five-year contract" for a $150 phone. Even those who pay $40 per month would have to stay with Koodo for over three years just to pay off a $150 subsidy! Other carriers offer greater subsidies. i suggest the Tab monthly percentage be increased to 15% or 20% when some criteria is met. For example, those who add any data add-on receive a greater subsidy. This would include the BlackBerry, Data Saver and Connect add-ons. This way, people are more likely to add data plans and to stay with Koodo. With a 15% rate, one with a $35/month data plan could have their Tab cleared off after 2 years and 4 months of continuous service. Virgin once had a similar promotion, so Koodo should come up with something creative. Thanks for reading.