Carl....it's gonna cost you a fortune to change now....you're not long into your 4 contract so you either buy a new 4S outright (mega money) or take out a 2nd contract.
I recommend you stick the cover back on your 4, enjoy it and then get the new 5 which will be out later this year at which point you'll be closer to the end of your current contract. Whilst the 4 is really very good, it's not that good or significantly different enough to warrant you spending all that money extra.
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