Be able to use what you have paid off the tab to buy a new phone without having to clear the old Tab first. Example: someone has a Medium Tab of $300 which over time (maybe 6 months) they pay off $70. The phone gets knocked off a table and the screen shatters. Koodi is selling reconditioned phones for $70. With the present system, the customer has to effectively pay $230 to get the $70 phone as they have to pay off the old tab to get a new one. With a flexible tab, the tab can be "topped up" back to $300 allowing the use of the $70 so the custome ccan get a new phone by just paying the HST in this example. Result is a much more workable system for the customer and an easier cross-sell/upgrade opportunity for the agent at Koodo. (e.g. "I notice from your account that you have $150 available on your tab right now. Had you thought about changing /upgrading your phone? We have some great deals right now on ******** phones and it wouldn't change your monthly payment or cost you anything right now. Also, you get to keep your old phone! ") Great customer service for situations of broken phone.