Hi, I am still a bit confused about the Tab as to how clearing it up will go. For example: I get a $29 plan. I get a phone with a retail value of $300. I get the Tab small ($150 tab). Koodo will reduce my tab by $4.35 (15% of my monthly plan) each month. It says that Tabs will be clear in 24 months and there are no additional Tab contribution fees for Tab small. How will my $150 Tab clear in 2 years if 24 payments of $4.35 is only $104.40? Thanks.