My iphone email account settings is grayed out and I can't add or modify my email accounts. Does anyone know why this happens and how to fix it?  Thanks!

Hi,  My iphone e-mail account settings are grayed out and I can't add or modify my e-mail accounts.  Does anyone know how to fix this?  Do I have to reset my phone to make it work?  Will I lose my data?

Settings>General>Restrictions...are yours on? Allow Changes>Accounts>On/Off?

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