Exactly. It's completely locked, unless you pay to unlock it or jailbreak it to unlock it that way. I tried to go to the Dominican Republic with a UK iPhone, because my iPhone 3G is a UK version for some reason, locked. I jailbroke it to unlock it that way. And yeah, it will take 7-10 days, who knows? It might be 2 hours. Don't get all worked up. Jailbreaking you can do it for free, but you risk your warranty.