Had to do a factory reset of my phone. Once that finally completed, the restore only got to 97% and then I get an error message with "0x80070309" as the code. Most of my apps did restore but I'm unable to connect to Nokia Account in Setting in order to re-establish myself. It just sits there trying to connect but never errors out. It just keeps running as long as I keep the lock screen from coming on. Wifi and cellular are both working fine. Not sure what to do next.