Richard,

   A T and T and Verizon phones work out of the box with out your having to 
buy a speech program.  Years ago when I was with Cingular, I was dumb enough 
to purchase a Nokia I think the model number was 6620, and Talks software, 
for over 400 dollars, with a 100 dollar rebate, which I never liked. 
However, I think at that time it was a little more user friendly.
   About the time I went with Jitterbug, a guy called me and ask if I would 
sell him my Nokia, which I joyfully did for 100 dollars.  Jitterbug was all 
right but the only thing that was better was the Cell phone , and that was 
just because of the buttons. The Verizon phone I have now is easier to use 
and has more features than any one I have ever had.

KF5UB Richard