I actually think it's less than $30 a month (and the inevitable Samsung two camera sensor cameraphone iPhone clone will be cheaper in a year or two). And then after 2 years the phone is yours. And it has a zoom. Good bye point and shoots once and for all! Good riddance. If the point and shoots auto-synced their photos w/an iPhone or Android and have a large sensor maybe there's an enthusiast market but as of now, there's no mass market for non enthusiast cameras.