Ok - I was riding on my personal hate train as I called Verizon asking about what my ETF would be across all lines as this really made me mad. The rep indicated that off-contract pricing is 100% dictated by the manufacturer and not the carrier. I always thought that carriers had some say in that pricing, but according to her that's not the case. If so it definitely looks like Nokia is aggressively trying to drive people to the Lumia 920 and/or AT&T, and not really supporting VZW. If so that may not bode well for offerings down the line - hope I'm wrong.