Just wanted to report complete success using the Joiku Free application on a Nokia N95 to tether my iPad over 3G (ATT). I am getting great speed, as the N95 even connects at 3.5G (whatever that is). Anyway, I now have viable 3G access from my iPad and am feeling good about buying the WIFI unit. Of course, while the SIM is out of the iPhone I am left with using the N95 crappy Symbian S60 based applications and T9 keyboard which is torture for text, but the N95 does have a great camera and video capability,and of course I didn't have to jailbreak it to use Joiku. Sorry if this has been covered, but I searched and didn't find this particular solution, so thought I would report success.