Any word on why they aren't encouraging JoD? Also, am I correct in my understanding that if you keep a JoD phone for 18 months, it would be fully paid off and you can turn it in without owing anything? If that's the case, then I'll get the iPhone 8 as my last JoD phone and keep it 18 months, turn it in, and start buying my phones again.they ran a lot of promos on the iPhone 6 and 6S that they aren't doing with the 7 so the monthly installments are much higher. word is they aren't encouraging JoD anymore so they don't have any incentive to continue the discounted rates.