HUH? Pay out of pocket? How on earth are you going to sell that to the idiots who voted OBAMA OBAMA OBAMA...that believe the should get FREEEE Obama Phones...That Obama will pay their mortgage and even like Michele herself believes FREE college and tuition. Pay out of pocket? Free or the belief in free stuff is what got this idiot Obama elected the first time and along with voter fraud the second time as well. Try selling out of pocket to the millions who believe they are entitled to free.