A rumor Monday has suggested Apple might have a truly universal iPhone model for its 2011 update. Based on a "loose tip" and filling in gaps, BGR believed Apple might use not just use the anticipated dual-mode chipset but cover every major North American carrier with penta-band HSPA support. Recognizing five bands would let it work both on T-Mobile and AT&T with only a SIM card swap as well as support smaller Canadian carriers like Mobilicity, Videotron, and Wind Mobile.