B of A is new on the aapl scene, and I'm pleased to see Scott Craig grab onto my latest catch phrase:
Craig says the focus on near-term iPhone sales has deflected attention to the company’s “game-changing business model,” in which it is spreading out iPhone revenue over two years using subscription accounting.
Well done Scott. Everything about the iPhone is a Game Changer.© I officially absolve you of "newbie" status. You might want to raise that $160 target soon though.