Direct Download iOS 7 for iPhone, iPad and iPod [IPSW]?

This is a site that is giving Direct Download iOS 7 for iPhone, iPad and iPod [IPSW]. Can someone verify this please? Should i install this on my iPhone?

http://wccftech.com/download-ios-7-firmware-for-iphone-ipad-ipod/

Best mobile insurance company?

Suggest me some good and renowned mobile phone insurance company. I was thinking to go with a insurance of my new iPhone.

IOS 7 Won't Work For My iPhone 4S?

IOS 7 Became Available To Me At 12 PM (Central), It Is Now 1:20 & Every Time I Try To Update It In My Settings (Software Update), It's Says "IOS 6.1.3, Your Software Is Up To Date."

I Already Tried Turning My Phone Off & On Again, But It Still Won't Work. Does Anybody Know How To Fix This?
Can I Update It Using iTunes?

I'm freaking out about my iPhone 4?

I'm right now updating iOS 7. But I forgotten to back up the files.
I'm freaking out because I don't know what will happen if it goes wrong.
If it goes wrong, will I be able to format it back to iOS 6? (I'm not bothered if I loose stuff)
:/

Thanks

Added (1). I'm updating it through phone. Not on iTunes. And I live in England.

IPhone 4 micophone problems?

I'm using my iphone4, it has had this problem for a few weeks before i upgraded in january this year, my mic doesn't seem to work, i can hear callers but they can't hear me. I thought maybe plugging in a headset/earphones with a mic would resolve this but it doesn't, i can hear myself though the headset so i know the mic on the headset is working but still people on the other end of the line can't hear me. Any help? I can't imagian it is just a broken mic if even when plugging in a headset with a mic it doesn't work