I want to get this idea rolling again as the last time I did this, it kind of just went away. The idea is simple. Remove the tab completely. Now, you want that $700 phone? $700 / 24 = $29.17 on bill(on top of your rate plan/addons). What does this do? People are no longer worried about having to put money up front. It also guarantees that it falls under the CRTC new regulations. What if you cancel? Then whatever amount is remaining is what you pay on the final bill. Simple, transparent, easy to understand. To quote Peter Griffin: "Why are we not funding this?".