The upgrade process took a dump and I got a screen that said that something was wrong with the sim card.
This is a swap, so iTunes was showing an old phone number.
I just called ATT now, and they gave me a $20 credit. So it worked out ok.
She also said that charging for the micro-sim was customary, but with the new phones utilizing it, that they are no longer charging.
If you got charged, CALL ATT!