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Because it will take a long time for that technology to be common, throughout the US.

On top of that, creating a CDMA iPhone would be a tiny amount of work, they would be crazy not too.

The only thing stopping them is the huge leverage they have over ATT, which they would not have over at a Verizon. We are not sure what special favors Apple get from ATT, but they are huge. If you look at the numbers, the growth of ATT has pretty much been due to just the iPhone.

And Apple probably employs more than one person, so they can afford to work on different areas at different times (CDMA and iPhone OS 4.0).

Why not wait, because the lose millions of dollars a day that the iPhone is not on Verizon.