I just updated my iPhone to 4.3, took about ten minutes. Personal Hotspot now shows up under Network settings. In Canada, iPhone tethering is a no cost option, except for the iPad (I assume to promote 3G iPad sales). I was able to connect my iPad via wifi to my iPhone (bluetooth). Now I can share my 6 gb plan. I'm with Virgin Mobile. My iPad is jailbroken, main reason was using iTether to share my iPhone plan with my iPad. However, I was always leery of updating to the latest OS because I would lose the JB functionality. With Personal Hotspot, I don't have that concern anymore!