That’s what my Nokia said to me today. “Phone startup failed. Contact Retailer.” Swell. I tried several suggestions that I found on the Internet, mostly “reset the phone,” (which I could not do, since I couldn’t even boot it) and “press 3, #, and the green button while powering it on” (no effect) or “press 3, *, and the green button (SEND/ANSWER) while powering it on (also no effect). I also tried booting it with and without the SIM card (no change).
Finally, I removed not only the SIM card but also the memory card, and powered it back on normally. It gave me the brand new startup configuration screen, and the phone’s alive again. Reinserting the memory card makes the phone not start up, and removing it allows it to start normally. So… bad memory card? I guess so. I’ll try formatting it again and seeing if that helps. For now, I need to remove the memory card in order for my phone to start up. Annoying, but I can work around it.