Yeah I don't understand either. You just have to make sure that you find your iPhone cable, plug it into your computer that has iTunes loaded, but make sure it's the computer that you've been using all along because if you try to do it on a different computer your shit will probably get jacked up. Once you've plugged your phone in, run iTunes which will then download the new OS, do a backup of all your apps, songs, contacts, etc and install the new OS...2 hours later, done.
:dumb:
Glad they removed the "password required to install apps" feature, that shit was annoying.