Previous reviews are helpful and accurate. One of the main reasons I bought this phone was to download music onto the MMC. I can't figure out how to this, though. I called Nokia Support and they informed me that I had to have an "audio program" to change the current mpeg format to one that is compatible with RealOne player. They could not elaborate further. Needless to say, I need additional guidance since I'm not very computer savvy. (Could someone help me? eugarte@yisd.net) If I could figure out how to use all these great features, I would be much happier with this phone.