I don't have a PAN plan ($10.00) and I got it PAN up over bluetooth only.

Isn't any form of "Internet Sharing" the same as PAN?

That is the Phone is on the normal Net and the laptop does a NAT (Network Address Translation) connection through it.

Is "Dual NAI" the same as PAN.

As opposed to where the phone must be off the net and is used a Modem for the latop.