IPHONE INSURANCE | IPHONE INSURANCE COVER

How is this done?

How can I make a wallpaper for my mobile, iphone., blackberry or iphone and then how can I make it available for other people to download?

How can I make it compatable with all mobiles etc?

The reason I ask is because I need to upload the 2.2 software/update. And my iphone takes forever to back up.

Contract Mobile phones