my OLD Nokia let me program in tones nicely, but my newer one does not, I suspect they have a 'marketing relationship' with the ringtone vendors.

Not only that, the scurfy phone provider (T-Mobile) let some scurfy ringtone seller (Jamster) send us crap we never asked for and it shows up on our bill and they WON'T REMOVE IT. The ringtone seller has no address, no email, no way to reach them except through their ephemeral phone lines and 'feedback form'. Be very careful with these creepy outfits, they are not like Ma Bell which removes any disputed charges. And never let the kids near your phone if they're into ringtones or just like to push buttons, who knows what you can be signed up for.