I think I just found a security flaw in ios 4.1. When you iPhone is locked with a passcode tap Emergency Call, then enter a non-emergency number such as ###. Next tap the call button and immediately hit the lock button. It should open up the Phone app where you can see all your contacts, call any number, etc. My iPhone is jailbroken so that could be causing it. Can anyone confirm that it works on non-jailbroken iPhones?