I've been looking at how to save money on my home phone bill but I'm kind of confused about all the features and stuff. The "all distance select online plan" is supposed to be $40 a month flat but do I also have to pay for a local plan? I'm so confused and I should be sleeping but I realized that I'm not going to be able to sleep until I at least put this question out there. Anyone understand digital phone service like this that can clue me in?