1. A system for selecting one of a plurality of video versions in response to a video request by a user of a user device having a processor, the system comprising: a stream selector configured to adaptively select optimized bit-rates by selecting one of the plurality of video versions to deliver to the user device, estimating an expected future utility of the user at different times during a billing cycle based on a remaining data quota and selecting one of the plurality of video versions that maximizes a current utility plus expected future utility of the user at selection time.