Thanks to @evansims for pointing me to this forum...
I called Tech Support (almost 2am!?) ... sounded Indianish.
Just a lil' background FYI, I bought my phone about 12N (Sunday), it is now about 2AM (Monday) - which is bad since I have a 530a flight to New Orleans and I've not slept! I've not made any outbound calls. Received calls and texts (and internet). The call to TechSupp was my first outbound call - the Tech guy was surprised (think he said something about it should have gone to the Welcome blah blah - I couldn't understand).
Since I could not send any texts out, he suggested I try the following (mind you, I only have ONE phone - thus couldn't call him on another line and he wanted me to take notes):
turn off, for two minutes (or remove battery too)
##3282#
edit mode
412415 lock code (was this only pertaining to my unit?)
data profile
menu
restore
yes default
menu
setting
sys updates
update profile
***
Maybe this might of help for those who have problems later?