Oh that was the old way of things...I didn't mess with it back then.Yea, you're right. I should have clarified. The way it used to be was that you had 3 times you could jump w/in a 12-month period regardless of how much you still owed. So I had to put $0 down when I got me and my son's phones. I just had to pay the monthly installment. A coupla weeks later, I jumped to the Note5 without paying anything. And I could've done it 2 more times on my 18-month lease. Under that system, it didn't matter how much was still owed on your device.