Recognizing when the Canary flies past whilst digging in the coal mine is more art than science. With Apple's announcement regarding "renting" iPhones, we see a Yellow Bird of Peril flit by. Just as auto makers are turning to 84 month notes to shift product, so too is this move by Apple. Maintaining the iPhone's silly GM leaves Apple little choice but to hide behind "monthly payment" being within the 20% household's budget. Good luck.