Are there any messenger clients for the iPhone, preferably free that allow you to connect to MSN, Yahoo and AOL without having to sign up for an 'account' with their system. Ones that require your own 'account' before adding your MSN, Yahoo, etc account details are: Nimbuzz, Xumii and Palringo. I simply do not want to give a third party all my messenger credentials. Any advice would be appreciated. Thanks.