[stcredzero]

It's not "very, very late" when you consider that only 1 in 4 American's own a smartphone [1]. The 75% that still own dumbphones are the majority & laggard adopters, who likely make cellphone purchasing decisions in store. The Nokia brand still engenders some goodwill and WP7 is reputably a decent platform.

Maybe a "dumb-smartphone" could be a big win in the American market. Create something that makes the non-savvy user feel smart, even if it means severely limiting features. Repeat Apple's playbook, but for an even lower level of expertise. Basically, create the SUV of smartphones. WP7 and Microsoft with Nokia are actually very well placed for this.