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Volvo XC60


Mercedes-Benz GLC-Class

Summary

Volvo XC60

If this was 10 years ago I’d be making jokes about Volvo drivers, IKEA and ABBA, but those those stereotypes are all irrelevant now. Safety is not nerdy, and Sweden really is more than flat-packed furniture and catchy pop music. Yep, a lot has happened in the 10 years since the Volvo XC60 first arrived, and now a decade on the second generation of the mid-sized SUV is with us.

The most popular Volvo SUV in the world, the XC60 may not be the first SUV people think of when asked what you might compare a BMW X3 to, or an Audi Q5 or Mercedes-Benz GLC, but that’s their loss. 

Could the XC60 quietly be the best mid-sized prestige SUV on the road in terms of value, design, comfort, safety and driving? Let me help you with that question – read on.

Safety rating
Engine Type2.0L turbo
Fuel TypeHybrid with Premium Unleaded
Fuel Efficiency2.1L/100km
Seating5 seats

Mercedes-Benz GLC-Class

I’m the eldest child in my family, and the best. That’s despite not having a degree in international law and working for the United Nations saving lives like my younger sister, or being a high-flying accountant like my other sister, or running a design agency in Germany like my other sister.

But being first and best like me is the exception to the rule because normally first versions of anything aren’t as good as they can be – like the Mercedes-Benz GLC when it made its debut in 2015. Now the updated version has arrived and it’s better, much better... in some ways.

Yes, the GLC is the most popular Mercedes-Benz model in this country. It is literally the C-Class of the brand’s SUV line-up (which has changed, too).

There’s no longer a diesel, but there’s a hybrid instead, although that won’t arrive until 2020 along with the hardcore AMG versions.

Which is why at the Australian launch in October, 2019, I was only given the GLC 200 and 300 to climb all over and drive. So, while neither I nor anybody else piloted all of the types of GLCs you can buy, here’s everything you need to know about them.

Safety rating
Engine Type2.0L turbo
Fuel TypePremium Unleaded Petrol
Fuel Efficiency7.8L/100km
Seating5 seats

Verdict

Volvo XC608.3/10

The XC60 is an outstanding mid-sized all-wheel drive SUV. A great selection of engines and a plug-in hybrid means buyers can better suit their purchase to lifestyle. Super safe, stylish and effortless to drive. The best value is to be had lower in range with the sweet spot being the Inscription grade.

Would you choose the XC60 over a BMW X3 or Benz GLC? Tell us what you think in the comments section below.


Mercedes-Benz GLC-Class7.6/10

The updated Mercedes-Benz GLC has improved in many ways. It’s better looking, more powerful, and smarter with the addition of Hey Mercedes and new technology. The loss of the diesel won’t upset many. Benz says its customers are moving away from that fuel and the arrival of the plug-in hybrid is a step in the right, and more environmentally friendly, direction.

The GLC 300 is the sweet spot in the range. It's a bit over $10K more expensive than the 200 but comes with all-wheel drive, proximity unlocking, privacy glass and the awesome safety tech.

Design

Volvo XC60

Remember when Volvos were boxy? Well they’re back baby, but in a better way that the 240 GLE from 1992. No, this is sexy.

There’s that long, sculpted bonnet with the cab set back and the heavily raked windscreen makes for a pleasing profile. The concave door panels and the mirrored wings in the rocker panels below add more toughness to this elegant beast.

There’s also that stately grille wearing its famous Volvo ‘sash’, those Thor’s hammer LED headlights and the very Volvo vertical taillights. This is a prestige SUV but not one of the BMW, Benz and Audi usual suspects.

The XC60 is a mid-sized SUV with dimensions similar to its Audi Q5, Mercedes-Benz GLC and BMW X3 rivals. The XC60 is 4688mm long, 2117mm wide and 1685mm tall.

How do you tell the difference between the grades visually? Well that’s a tricky one. From the outside you can spot at R-Design T8 by its sunroof while the Momentum D4 and T5 both have 19-inch wheels which look a tad too small for those wheel guards.

Inside all XC60s are exquisite, bordering on modern art with that minimalist dash decluttered of its buttons thanks to most of the functions being moved to that stunning 9.0-inch vertical touch screen.

There are nine colours to choose from including Fusion Red, Passion Red, Bursting Blue Metallic, Onyx Black Metallic, Osmium Grey Metallic, Bright Silver Metallic, Crystal White Pearl, Electric Silver Metallic and Ice White.

The accessories list for the XC60 is huge there’s everything from towbar hitches and floor mats to roof boxes, kayak cradles, and tablet holders for rear seat entertainment - but not bullbars.


Mercedes-Benz GLC-Class8/10

I’ve worked it out: Mercedes-Benz’s designers have just flipped the grille of the previous model upside down. No, they haven’t, but the new face of the GLC looks more resolved, broader and determined than the 2015 car.

Along with the grille and bumper, the headlights have been restyled and now appear more elegant, while the inlays in the tail-lights now have a floating square-shaped design.  

Changes to the interior may seem minimal, but only from a material and trim perspective, the upgrade in technology is big. There’s the new display screen, the digital instrument cluster, the steering wheel and touch pad controller, and new upholstery colours.

There are 17 upholstery colours and combinations. Black is standard across the line-up in Artico and leather, while 'Silk Beige' and 'Magma Grey' are no-cost options on GLC 200 and 300 SUVs.

There are 10 paint hues to choose from with 'Polar White' (non-metallic) being a no-cost colour across the range and 'Iridium Silver Metallic' standard on the GLC 63 S SUV and Coupe.

Optional colours include: 'Hyacinth Red', 'Brilliant Blue' and what seems like 50 shades of grey with names like 'Selenite Grey', 'Mojave Silver' and 'Obsidian Black.'

Do the grades differ in their look? Yep, you can tell you’re looking at a GLC 300 and not a 200 by the 20-inch alloy wheels, running boards and rear privacy glass.

The GLC 300 Coupe could be mistaken for a full-blown AMG model thanks to its AMG Line body kit including 20-inch wheels, while the cabin is also outfitted with the AMG Line interior package adding aluminum sports pedals, flat-bottomed steering wheel and AMG floor mats.

As for the AMG grades the GLC 63 S looks more hardcore than its 43 ‘lite’ sibling thanks to the 21-inch rims, ‘jet-wing’ design front apron, flared guards, finned diffuser, spoiler lip and AMG performance exhaust system.

All interiors, regardless of the grade, are stunning. Even the entry-level GLC 200 with its black ash open pore wood trim and chrome air vents feels modern and uber stylish (I’m reclaiming the word uber).

There’s definitely more wow factor here than in the cabins of Audi and BMW rivals, particularly now with the large media screen and virtual instrument cluster.

What are the GLC’s dimensions? Well, it’s not a huge SUV at just 4669mm long, 1890mm wide and 1639mm tall.

Practicality

Volvo XC60

How many seats does an XC60 have? The answer is five and no there isn’t a seven-seater version. I have a small family with just the three of us, but if you have a lot more take a look at the bigger XC90. 

The XC60’s cabin is spacious, but not XC90 spacious – this is, remember, a mid-sized SUV. Still there’s plenty of legroom in the back seats for me even at 191cm to sit behind my driving position and good headroom even with the panoramic sunroof in the T8.

Let’s talk about the boot space. A luggage capacity of 505 litres isn’t huge not compared to rivals such as Audi’s Q5, BMW’s X3 and the Mercedes-Benz GLC which all have 550 litres of cargo space. But XC60s with the optional air suspension like the T8 I drove can lower themselves to make loading the boot easier.

Cabin storage is good, with two cupholders and large door pockets in the front and two cupholders and smaller door pockets in the back. The centre console storage area under the centre armrest is also a decent size. 

You won’t find a sunglass holder in here though – but does anybody actually use those anyway?


Mercedes-Benz GLC-Class7/10

It depends. The SUV is absolutely (and obviously) the more practical of the two body styles, and at 191cm tall I can sit with plenty of head and legroom behind my driving position, while the boot’s cargo capacity is 550 litres.

The Coupe will need you to make a couple of practicality compromises. There weren’t any Coupes at the Australian launch in October, but Matt Campbell tested it in Europe and at 182cm tall he found the raked roofline better suited to smaller adults and children. The boot in the Coupe is smaller, too, at 500 litres capacity.

Cabin storage on board both the SUV and Coupe is good with four gigantic cupholders (two up front and two in the back), big door pockets, a large centre console bin and a decent-sized hidey hole under the trapdoor in front of the media touch pad.

Talking of that touch pad, it’s just one of the ways to access the media system, you can also use the touchscreen and the small black ‘swipe’ button on the left of the steering wheel.

The MBUX media system with its Hey Mercedes personal assistant function works to open the sunblind for example, or adjust the climate control, or locate destinations in the sat nav.

While the tech is still a bit clunky it represents the primitive stages of cars that’ll probably be more like companions in years to come. That’s possibly a bit creepy, but damned convenient and practical, nonetheless.

The digital instrument cluster is configurable to align with each driver’s personal preferences.

All GLCs come equipped with two USB ports and a 12-volt outlet, while grades from the 300 up also have smartphone wireless charging.

Three-zone climate control is only standard on the Mercedes-AMG GLC 63 S, but all grades come with directional air vents for the rear seats.

Price and features

Volvo XC60

The XC60 comes in three trim levels: there’s the entry-grade Momentum, the Inscription is the mid-point and the R-Design lords over all of them. So how much does an XC60 cost? Let’s look at a price list. 

The most affordable XC60 in the range is the D4 diesel variant in Momentum grade which lists for $59,990 (RRP) while its T5 petrol sibling is $62,990.

Stepping up to the Inscription there’s the D4 version for $66,990 and the T5 petrol for $69,990. 

You can have an R-Design with the more powerful D5 diesel for $73,990, the gruntier petrol T6 for $76,990 and the petrol-electric hybrid for $92,990 sits at the top of the XC60 range.

As for driveaway prices for the XC60, put the pressure on the dealer and you’ll be surprised what they can do.

The XC60 is great value … depending on which grade you go for, because even the lower priced ones come with an extensive list of standard features. 

All XC60s comes standard with a 9.0-inch vertical touch screen with Apple CarPlay for your iPhone and Android Auto, a 12.3-inch driver display, WiFi hot spot, Bluetooth, sat nav (gps navigation), 360-degree parking camera, auto parking system, front and rear parking sensors, a 10-speaker premium sound system with digital radio (DAB), leather upholstery, power adjustable driver and passenger seat, proximity key (keyless entry), roof rails, LED headlights and a power tailgate.

That 9.0-inch screen is for more than just for multimedia and infotainment – many of the car’s functions, gadgets and the owner’s manual are controlled through the display.

The Inscription adds four-zone climate control, adaptive cruise control and 20-inch alloys.

The R-Design D5 and T6 come with 21-inch alloy wheels and R-Design treatment to the steering wheel, grille, pedals and leather seats.

And the R-Design T8 comes with a panoramic sunroof, crystal gear shifting knob, and only dual-zone climate control.

So the R-Design T8 is not great value, but the Momentum T5 and D4 really do represent good features for the money. 

All XC60s come with LED headlights and the Thor’s hammer daytime running lights – no xenon headlights here, thankfully.

If you want heated seats it’ll cost you $500 for the front ones and $350 for the back row, while a heated steering wheel is $350. Ventilated seats are a $2950 option, but you’ll get leather perforated upholstery with them. Tinted glass is a $650 option and the 15-speaker Bowers & Wilkins stereo costs $4500. Oh and a CD player is a $160 option, but you can’t have it on the R-Design T8.

The $2490 air suspension is also an option, but a very comfortable one as I found on the T8 I road tested.

A quick model comparison shows the XC60 is priced well – the Mercedes-Benz GLC ranges from $67,500-$99,900 (more for the AMG), the Audi Q5 ranges from $65,900 to $86,611 and the BMW X3 starts at $62,900 and top out at $87,700. 

A lack of full-sized spare tyre is disappointing. Sure a space saver spare (which comes with all XC60s apart from the R-Design T8) is okay in the city and so is the puncture repair kit on the T8, but in Australia it can be a long way between towns. 


Mercedes-Benz GLC-Class7/10

There are eight members in the GLC family. Most affordable is the GLC 200 with its list price of $66,100, then the 300 at $77,700 and a 300e plug-in petrol-electric hybrid for $80,400. 

Then there are the Mercedes-AMGs – the GLC 43 at $109,900 and the 63 S for $161,000. These can be had in Coupe form, too: $117,400 for the 43 and $168,100 for the 63 S.

Want the Coupe body style and AMG-look without the price tag? Well, there’s a GLC 300 coupe, too, for $87,700.

Standard features on the GLC 200 include 'Artico' upholstery (think leather but not leather), black ash open pore wood trim, leather-clad steering wheel and dual-zone climate control.

There’s also a 12.3-inch digital instrument cluster, 10.25-inch media display with Apple CarPlay and Android Auto, 'Hey Mercedes' MBUX assistant function, sat nav and a five-speaker sound system.

Then there are the 19-inch alloy wheels, roof racks, agility control suspension (see driving section), power tailgate and LED headlights.

The GLC 300 adds wireless charging for your smartphone, 20-inch alloys, privacy rear glass, proximity unlocking, multi-beam LED headlights with adaptive high beams and the 'Driver Assistance' package (see the safety section).

The GLC 300e has the same features as its petrol-only twin but adds air suspension, and pre-entry climate control, while the 300 Coupe come standard with the 'AMG Line' interior and exterior packages.

The Mercedes-AMG 43 SUV and Coupe are seriously loaded up with equipment. Standard is leather upholstery, Burmester sound system, a head-up display, heated front seats, Artico dashboard, panoramic sunroof (in the SUV and a glass sunroof in the Coupe), AMG 'Night Package', AMG 20-inch alloys, sports brakes, AMG grille and black roof rails.

The full-fat Mercedes-AMG 63 S SUV and Coupe step up another level with 21-inch AMG alloy wheels and an AMG body kit complete with front apron, spoiler lip and rear apron. 

There’s an AMG performance exhaust system, plus heat and noise insulating glass. Coming standard inside is the AMG performance steering wheel, nappa leather upholstery and three-zone climate control.

Is it good value? Better value than the previous model, that’s for sure, what with the increase in cabin tech, but the sweet spot of the range is the GLC 300.

The GLC’s rivals include Audi’s Q5 which lists from $65,900, the BMW X3 starting at $63,900, and Volvo’s XC60 from $62,990.

If you’re contemplating a Porsche Macan then $81,800 is the start-price there.

Engine & trans

Volvo XC60

The XC60 range has four engines and one petrol-electric unit, but you can’t get them in any grade you like.

The Momentum and Inscription come with the diesel D4 and its petrol sibling the T5. Both are lower-powered versions of the D5 diesel and T6 petrol variants found in the R-Design grade.

The D4 has a 2.0-litre turbo-diesel making 140kW and 400Nm, which according to Volvo is enough mumbo for a 0-100km/h sprint time of 8.4 seconds. 

The D5 is powered by a 2.0-litre twin turbo diesel making 173kW and 480Nm, which according to Volvo is enough mumbo for a 0-100km/h sprint time of 7.2sec. 

The T5 is the 2.0-litre turbo petrol variant which makes 187kW and 350Nm, and has a 0-100km/h time of 6.8sec.

The T6 is also a 2.0-litre turbo-petrol variant but a higher horsepower version with a supercharger that helps it make 235kW and 400Nm, and it has a 0-100km/h time of 5.9sec. That’s an impressive performance figure.

And finally the T8 – this is the big daddy and uses the same 235kW and 400Nm 2.0-litre twin-turbo-plus-supercharged petrol that’s in the T6 in combination with a 65kW/240Nm electric motor. The T8 is a plug-in petrol electric hybrid.

All XC60s use a smooth shifting eight-speed automatic transmission - you won’t find a manual gearbox here.

The XC60 comes as all-wheel drive only, there’s no front-wheel drive (4x2) version. That said this isn’t four-wheel drive and you wouldn’t take it places you’d go in a hardcore 4x4.

I didn’t experience any automatic transmission problems or any other issues but keep an eye out for our XC60 problems page for any faults, complaints, maintenance or reliability issues that crop up.


Mercedes-Benz GLC-Class8/10

There are four petrol engines and a plug-in hybrid on offer in the Australian GLC line-up.

The GLC 200 is rear-wheel drive (RWD) only and has been given a new four-cylinder 2.0-litre turbo-petrol engine making 145kW of power and 320Nm of torque (up 10kW/20Nm), while the GLC 300 is all-wheel drive (AWD) using the same engine tuned to produce 190kW/370Nm (up 35kW/20Nm).

Both have a nine-speed automatic transmission and use a new 48-volt mild-hybrid system which can cut the engine during coasting and add up to 150Nm of torque.

The GLC 300e is a plug-in petrol-electric hybrid and is also AWD with a 2.0-litre four-cylinder engine making 155kW/350Nm, plus a 90kW/440Nm electric motor.

The Mercedes-AMG GLCs are both AWD and use a nine-speed sports automatic transmission but have different engines. The Mercedes-AMG 43 has a twin-turbo 3.0-litre V6 making 287kW/520Nm, while the 63 S has a twin-turbo 4.0-litre V8 producing 375kW/700Nm.

This update marks the disappearance of the GLC 300 d diesel from the line-up. Mercedes-Benz told us why in our news story here.

Fuel consumption

Volvo XC60

After a combination of urban and open roads, Volvo claims the diesel D4 will achieve 5.4L/100km and the more powerful diesel D5 should need 5.6L/100km. Meanwhile, the petrol T5 should use 7.8L/100km and its big brother the T6’s official mileage is 8.0L/100km.

The eco-warrior of the range is the petrol electric T8 with its impressive claim of 2.1L/100km. This isn’t an EV, you’ll need to fill it up with petrol as well.

If somebody tries to sell you a new LPG XC60, be suspicious ... very suspicious. 

When I road tested the R-Design D5 my fuel economy was 9.4L/100km, and this is where it gets embarrassing: my mileage in the R-Design T8 was 14.0L/100km. That’s because I never re-charged using the cable, instead I let the regenerative braking add charge to the batteries. This meant I forced the SUV to mainly use the petrol engine and carry myself along with 200kg of batteries and electric motor around. This - and me taking full advantage of the great acceleration at every traffic light - would have something to do with my high fuel usage.

Yes, if you go for the R-Design T8 make sure you charge it regularly and drive conservatively otherwise you too will use lots more fuel than Volvo’s serving suggestion.  


Mercedes-Benz GLC-Class7/10

Mercedes-Benz says the GLC 200’s 2.0-litre four-cylinder turbo engine should use premium unleaded at a rate of 7.8L/100km over a combination of open and urban roads. The combined fuel consumption of the GLC 300 according to Mercedes is 8.1L/100km. 

More fun but less economical are the AMGs with the GLC 43’s V6 using 10.4L/100km over a combination of open and urban driving, while the GLC 63 S is even thirstier with the official fuel economy being 12.2L/100km.

Mileage figures have yet to be given for the 300e plug-in petrol-electric hybrid.

Driving

Volvo XC60

I’ve road tested the R-Design D5 and the R-Design T8 and so can only vouch for the driving experiences of them.

First, the D5 – there’s much to like, such as all that 480Nm of torque barrelling in low down in the rev range at 1725rpm, the responsive brakes, the tranquil cabin, and good fuel economy. 

The downside to the D5 is a noisy diesel engine, particularly under heavy load. The diesel isn’t best suited to sporty driving either – I found myself busy paddle shifting constantly to keep the revs in the torque band which ends at 2250rpm. The twin-turbo set-up in the D5 is designed to spool up one to ‘pre-charge’ to reduce lag before the second kicks in – the result is an almost instantaneous power delivery.

Now, the R-Design T8. 

This is an impressive beast. The combination of that powerful supercharged and turbocharged four-cylinder and the electric motor provides grin-making acceleration. The optional air suspension in our test car turned the ride cushion-soft but kept the car composed.

Just to sit in, the D5 and T8 both feel special and the driving experience goes a long way to matching that prestigious impression from the light and accurate steering to the great pedal feel and the responsiveness of the powertrains.  

A well-insulated cabin cuts out most of the diesel clatter in the D5, not to mention the T8's road noise - it is common for tyre roar to be noticeable in hybrid and electric cars, which don’t have a noisy engine to cover it up. 

The adaptive cruise control with steering assistance worked eerily well for me, it’s almost - but not quite -self-driving autopilot. That head-up display is one of the clearest and least intrusive I’ve seen.

Good visibility and a turning circle of 11.4m also help make the XC60 effortless to drive.


Mercedes-Benz GLC-Class8/10

The GLC 300e and AMG versions hadn’t arrived in Australia at the time of launch in October 2019, but I did have the opportunity to put hundreds of kilometres on the GLC 200 and 300, on our less than perfect local roads.

I should point out here that the SUVs we drove had the standard 'Agility Control' suspension, which is Benz-speak for regular shock absorbers and coil springs.

That was good news to me when I arrived ready to drive, given the GLCs we tested in Europe earlier in 2019 were fitted with air suspension and driven on incredibly smooth roads.

Both the GLCs I tested were also fitted with the AMG Line pack and while this doesn’t affect the output or change the suspension it did increase the 200’s wheel size from 19- to 20-inch rims.

Starting in the GLC 200 I was impressed by how easy the SUV was to drive with accurate and light steering, great visibility and while acceleration from 0-100km/h in 7.8sec is nothing to brag about I was won over by the balanced feel of the RWD SUV.

I didn’t get that same balanced feel in the AWD GLC 300 but there was the superb traction and much swifter acceleration (0-100km/h in 6.2s).

The GLC 300 and 200 struggled, however, to remain composed and maintain a comfortable ride on the extremely shoddy, but typically Aussie roads I tested them on.

There also seemed to be a lack of travel in the suspension causing both cars I tested to ‘bottom-out’ at regular speeds in fairly small dips. If you’re planning to spend money on optioning yours up, I’d seriously consider ticking the 'Air Body Control' air suspension box.

That said, the driving experience was a tranquil, easy and enjoyable one – the way a C-Class SUV should be.  

I know there are readers out there keen to know about the off-road capability of the GLC but there was no chance to test this out on the Australian launch.

Matt Campbell did have the opportunity to get the GLC muddy in Europe and found that with the 'Off Road Pack' it’s capable of handling tougher terrain than many would think. Unfortunately, that off-road pack won’t be available in Australia.

And while we’re yet to sample the updated version of the Mercedes-AMG 43 and 63 S the previous models were outstanding, and going by our impression of the vehicles in Europe, will slap a smile on your face. We’ll know for sure when those SUVs arrive later in 2020.

Safety

Volvo XC60

Have you seen the Volvo XC60 TV ad? It’s full on, but I didn’t cry – there was just a high pollen count that day and… anyway it drives home how safety is Volvo’s ‘schtick’.

The five-star ANCAP score it was awarded in 2017 doesn’t reveal just how impressive the safety systems are on the XC60. This new-generation SUV is fitted with AEB (City Safety) which can detect and stop for animals, humans and other cars, there’s steering support, blind-spot warning, front and rear cross-traffic alert - and that’s on all XC60s. Adaptive cruise control is added to the Inscription grade and above.

You’ll find two ISOFIX points and three top-tether anchors for child and baby car seats across the rear row, too. 

Where is the Volvo XC60 built? Volvo is owned by Chinese car giant Geely, but Australian XC60s are made in Torslanda, Sweden.


Mercedes-Benz GLC-Class9/10

The Mercedes-Benz GLC was given the maximum five-star ANCAP rating when it was tested in 2015.

Coming standard from the entry-grade GLC 200 are nine airbags, a 360-degree camera, auto parking, plus advanced safety technology such as adaptive cruise control, AEB, blind spot warning, rear cross traffic alert and traffic sign recognition.

Grades from the GLC 300 upwards pick up the 'Driver Assistance Package' which adds active steering, cross traffic function, active blind spot and lane keeping assistance, evasive steering and lane changing assistant.

For child seats you’ll find three top tether points and two ISOFIX mounts across the second row. 

Ownership

Volvo XC60

The XC60s has a three-year/unlimited kilometre warranty. Servicing is recommended every 15,000km or 12 months, whichever comes first. 

Volvo offers two service programs: the basic SmartCare and the more comprehensive SmartCare Plus. The SmartCare three-year/45,000km plan is $2225 (SmartCare Plus costs $3050); a four-year/60,000km version is $3500 ($5200 with SmartCare Plus) and the five-year/75,000km agreement costs $4230 ($6400 with SmartCare Plus). 


Mercedes-Benz GLC-Class7/10

The GLC is covered by Mercedes-Benz’s three-year/unlimited kilometre warranty. While the duration of that coverage is short it does align with the other German 'big three' competitors, Audi and BMW.

That said, we’d encourage the luxury brands to follow the lead of mainstream manufacturers and move to five-year warranties.

Servicing is recommended annually or every 25,000km, whichever comes first. Owners are able to prepay for the servicing which amounts to $2150 for three years or $2700 if you pay as you go.