Thanks for this answer, but I still have a few more questions:

• When I hook the phone up to the computer by the USB, how does the SD card display on the computer? I use Windows XP. Would it be under My Computer-->E: Drive?
• If I want to record directly on the phone and then place that as a unique ringtone for a contact, how would I do that? I don't see any recording function on the phone. Would I have to download an app? If so, would you recommend any? And after it is recorded on the phone, what steps would I need to assign it?

Thanks!