IT IS WELL, VERY GOOD & FAST FOR MY N95-1 UPGRADED WITH V21.0.016 IF NO MEMORY CARD IS INSERTED. ONCE INSERTED MY SANDISK 4GB (WITH ONLY 3GB USED), IT CAUSE THE PHONE CANNOT BE STARTED....THIS IS REALLY NOT MAKE SENSE AS LATEST VERSION EVEN CAN FUNCTION PROPERPLY EVEN TO 8GB CARD ! NOKIA PLS CHECK WHY MEMORY CARD ALREADY CAUSE THIS PROBLEM! V12.0.014 IS BETTER FOR ME IF NGAGE IS NOT SUPPORTTED V12, I SWEAR I WILL NOT UPGRADE TO V21...PLS SOLVE OUT QUICKLY FOR OUR V21 USER WHO FACING THIS PROBLEM AROUND THE WORLD