Just want a little clarification regarding what happens when I finish off paying my tab. The amount I pay every month was I think predicated on what size tab I chose. I heard that when it's all paid off through that 15% percentage, it starts adding up positively into a new tab that can be used for an upgrade or something. Is there an option once I pay off my tab to, instead of accumulating into a positive tab, have my monthly bill reduced in lieu of having a positive tab, as I'm not interested in new phones. Thanks!