I'd say the monkey has most of the hardware but not the software, analogously. As for the phone, right I was assuming the cars have enough processing power and memory to do the necessary processing. But granted they haven't exemplified full self-driving on their current hardware, I will have to concede that we do not know how much processing and power are needed to be truly self-driving. For all we know, that last 10% of self-driving capability may require an exponential increase in the amount of processing required.