I've been doing some calculations... and really, I'll need someone from Koodo to explain this to me. I'll use the $75 TabM plan and it's twin $95 TabL plan since they offer practically the same things (with worse overages on the $95 one). The phone I'm using for comparison will be the S4 @ $725. Now, we all know TabM goes down to -$300 (so, a $425 up front price), and TabL down to -$500 (so, a $225 up front price), so essentially, a $200 saving, up front, on the device price. Case scenario #1: Someone gets a TabM and the $75 plan. Monthly Koodo 15% = $11.25 Monthly customer contribution = $5 Total towards TabM each month: $16.25 Time needed to clear TabM up to 0: $300 / $16.25 = 18.46 so roughly 19 months to clear a $300 TabM. Case scenario #2: Someone gets a TabL and the $95 plan (for similarity in what you get). Monthly Koodo 15% = $14.25 Monthly customer contribution = $10 Total towards TabM each month: $24.25 Time needed to clear TabL up to 0: $500 / $24.25 = 20.62 so roughly 21 months to clear a $500 TabL. For the sake of readability, let's assume that in both cases, it takes 20 months to clear both Tabs. Every month, the customer from scenario #2 pays $25 extra compared to the one from scenario #1, because his/her plan is $20 more and the contribution is also $5 more, so $25 more. Over the course of the 20 months it takes to clear both Tabs, customer #2 will have paid $500 more, out of pocket, than customer #1 for similar service. So, am I right believing that customer #2 will be paying $500 just for the privilege of saving $200 more up front? That's still a $300 difference Koodo! It's $15/month more expensive over the course of those 20 months, for the exact same device and eerily similar plans. Someone really needs to point out to me where I failed my math. Until that happens, I'll consider TabL options blatant ripoffs.