Why can't I reply to text messages with Cortana?

Well I went into a local MS Store today and put my AT&T sim into one of their Lumia 640 phones running 8.1 update 2. Paired my band up to that phone. Asked one of the store employees to send me a text message and everything worked fine when I dictated a response via Cortana. So that pretty much nails it for me...hmm might be dropping back down to 8.1 official from this 10.0.10512.1000 version :(
 
nope still doesn't work properly with the latest windows insider release as of today. in the meantime instead of going back and forth between windows mobile 8.1 and the preview releases of Windows mobile 10, I just picked up a second phone (lumia 640 from Best Buy for $69) to play with and test. it's much easier to test functionality now by just pairing the band with each phone to test functionality between the OS versions.
 
Solved. You have to train the keyboard to get Cortana to show up for a text reply on the band. Silly, but it works.
 

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