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If you are looking iPhone, perhaps you should wait for the next iteration--the hardware specs of the next version will (allegedly) approach the standards set by the newish smartphones today. Generally, the competition at the high-end beats Apple today when it comes to hardware, especially on things like screen resolution, camera quality, etc). The next version should close that gap.
Also, AT&T exclusivity is supposed to be ending soon, so you might want to wait and see if ends up on other carriers more to your liking.
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