The $20 part is so you can pay $900 for the $600 phone over the two years.
$20 * 12 months * 2 years = $480
Am I missing something?
From Wikipedia, Groupthink is a psychological phenomenon that occurs within a group of people, in which the desire for harmony or conformity in the group results in an incorrect or deviant decision-making outcome. So, the fact that a group of people can result in deviant outcomes that would not result from the individuals alone seems to indicate that a "group" (or company) can be evil (or more evil) while the individuals may not be (or be less evil).
The anti-gay factions were the ones who got the Fed into it. They passed DOMA which specifically said that the federal government would not recognize gay marriage which was legal in the state. If the Fed were staying out of it, they would have recognized any marriage which the state recognized (this is how it traditionally worked - the states defined marriage).
Top tier gas has a higher octane rating (Premium is usually 93, Mid-grade is usually 91, Regular is 89), which means that it requires higher temperatures and pressures to spontaneously combust (spontaneous combustion is bad for engines and results in the "knock" sound). While you might be correct that the gas does not actually have any more octane in it (ethanol increases the octane rating), you are wrong in saying that octane has nothing to do with top tier gas.
Also, as a sidenote, refineries do not actually produce midgrade gasoline. Midgrade is just a mixture of premium and regular gasoline.
High octane-rated fuel does not spontaneously combust (or actually requires higher temperatures and pressures to spontaneously combust). Spontaneous combustion means all the fuel (essentially) ignites at once, which causes the "knock" sound. Instead, you want the fuel to ignite sequentially. How this happens in a gasoline engine is that the spark from the spark plug ignites some fuel and the flame front travels out from that point throughout the cylinder. So, while it is true that you do want slower combustion, the higher octane rated fuel does not actually burn slower than lower octane rated fuel. You are just trying to prevent the fuel from burning real quickly (spontaneous combustion).
Except most people will charge at night when it is *not* during peak load.