I learned this at the Apple Store yesterday while waiting for them to replace my defective iPhone 3G...

When typing, if you want to insert a special character (i.e., fiance is supposed to have a special character "e" at the end), hold down the "e" and several special charater "e" will appear.

There are special chararacters for the following:

A, C, E, I, L, N, O, S, U, Z

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iPhone 3G, 16 GB, Black
Samsung i730 WM5
Samsung i760 WM6 Pro