I'm still trying to see how this new formats work. So if I had $100 in positive tab balance am I still able to deduct the price if I were to buy a phone outright? For example: LG G3 is $410-$100=$310 or will I have to go with the new Tab option that takes $360 off? And will you still accumulate positive tabs if you don't own anything or is that gone? Thanks for any answers.