My track record with cell phones is less than stellar! I go thru phones at a very unacceptable rate. Their demise is due to a variety of reasons. My last phone prior to my moving into the “smart phone” world survived a dip in the toilet and a night out on the trail in the snow. The fact that it still worked was miraculous. Last year I was due for an upgrade and I decided I was ready for a smart phone. I got one of the new Droids. What an amazing device! However, I soon discovered that smart phones are very moisture sensitive among other things. About three months after getting my new Droid, I put it in my back jeans pocket and you guessed it, plunk, in the toilet. I got it out super quick but to no avail. It was dead! No problem, I had insurance. So, a trip to the Verizon store and $89 later I had a brand new Droid. The salesman did caution me that I was only allowed two insurance claims on the life of the phone, so “be careful with this one”, he said. All was well un...