HT4623 HELP I am setting up the OS7 and it will not let me past the accept terms of iCloud...I cannot get past it, close it or finish setup PLUS I cannot use my phone!

I downloaded OS7 and was setting up icloud but it will not let me past the accept, even when I accept all 3 sections.  I tried decling but it still will not let me pass.
I cannot use the phone or make any calls...it is just stuck.

I found just by powering off the phone and restarting it, it let me carry on.

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