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^ This is why I love T-mobile. The cost does go down after you've paid the phone off.
As for the whole 5c vs 5s... Well Apple did recently demo an app that will only run on the 64-bit processors (5s and above). I imagine game developers will be eager to exploit the raw power of these phones.
Cameras are an interesting area... The 5c retains the 5's rear camera, but received the same upgraded front camera as the 5s.
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