Thanks for both your comments.  I feel like I need to update everyone on this situation, in the hopes that people realize what a scam AT&T/HTC’s warranty service has been.   So it’s been one week, and the phone still hasn’t arrived.  In that time, I’ve realized I’ve been lied to twice:   First, AT&T/HTC apparently use a mail expediter who takes the replacements to the nearest post office for delivery.  So , when the person I spoke with at the warranty center told me that they would overnight a phone to me on the 3rd, it meant they would put it in the mail after a few days.  He fully knew this when he was talking to me.    Second problem, and a really big deal, is that AT&T’s expediter tracking service says the phone was delivered this morning.  The Post Office has the package listed as out for delivery at 8:31 this morning and delivered at 8:34.  Think about the timing of that - 3 minute delivery?  Fishy.  It wasn’t in my mailbox, and it wasn’t at my front door.  I’ve been home all day.    Now when the warranty person read me the terms and conditions, he told me that if I don’t return the broken phone within (I believe) 14 days of receiving the new one, I’m going to be charged something like $500.  Imagine after all of this what they’re going to tell me when I call them and tell them that the replacement never arrived.    I am calling the Post Office first thing in the morning Monday, and then AT&T after that.  I have no idea what to do after that.  If there is actually anyone at AT&T that reads these things, please tell me what to do to get what I paid for in October.