I don't know if anyone has mentioned this anywhere, but I stopped by the AT&T store today and they had a 1520 on display. It's huge! Anyway, the card read: "Retail Price $419.99". I asked the associate there four times "so when I come back on the 22nd I can buy the phone outright for $419.99" and they said yes. I see that website says $584.99 so I guess they misprinted the card? I foolishly didn't think to take a picture of it.