I have had my 3GS for almost 3yrs. There is a tab of -57 remaining, but I read on the Koodo site there is a 24 month guarantee for upgrade eligibility. How does this apply to my situation? Is the remaining balance of 57.00 forgivin? Or is the balance added onto the new tab balance? For example if I go for a small tab of 150.00 is the 57.00 added on to that while still qualifying for the small tab, or do I have to pay the balance off? Also the iphone 4 is not offered on the Koodo site but is still available at the Apple store, so is it still availble on a small tab at 150.00 for 0.00 on a my tab if I continue with my current plan?