Being at Nokia Networks during that last phase, I could observe in first person how many of those things went.

Nokia used to have internal shows to get employees feedback for future products, Maemo not having a radio modem was a common remark, naturally they couldn't add it due to Symbian.

Also think that Elop gets more blame than he deserves, as many see his connection to Microsoft and not the bonus from Nokia's own management board.

NetAct versus other networking products, also suffered from the same culture issues, by the way.