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I'm pretty sure it covers everything in Nokias, but what you are suggesting would make some sense to prevent people installing a version that mightn't work in their country. That said though, the phones are supposed to roam so all versions should work in all countries with respect to GSM/UMTS/HSPDA etc.

It is to stop you potentially reflashing the radio controller and setting it to promiscious mode or altering the transmission power etc... Quite a few WiFi cards work in the same way. Binary blob firmware = security through obscurity.