I've imported many a gov't website digital cert as well as some public email certs ot only myself but a few others. The problem right now is that my PRIVATE signing certificate is on my smartcard with no way to copy it off and place it on the N95. Slapping a cert on the phone is easy, I just BT it over and it installs itself. I found somewhere on the net a whole crapload of info on it, Google around.