Been with Koodo for years and previously a percentage of monthly bill reduced outstanding tab for phone cost. So as a loyal customer if you stayed with Koodo you're got your phone for about half the cost. Now if I'm understanding, you pay your monthly cost PLUS the tab cost for 2 years?? upgraded phone about 3 years ago and there were no additional costs as long as I kept my plan going I had to pay about 1/2 up front and the remaining was reduced each month. When did this change??