I took my phone into the Verizon store today because of "ghost calling" problems (ie phone would call the last person I called every time I opened Pandora etc) and asked if they could fix it. They said they couldn't replace the phone but could do a hard reset and I said fine. They came back 15 minutes later and game me my phone back. I reloaded my data from my SD card and looked at the "About Phone" just out of curiosity and noticed that it had gone from the software version of the V3 update to that of the OTA. I don't know what they did in the back room but they somehow managed to get the OTA on there.