is what in my opinion
Ding ding! People have been talking and driving the entire time wheeled vehicles have been around. How many old westerns have you seen where the stage coach driver veered off the dusty trail cause he was talking to his gun-man? Yes, talking is a little bit of a distraction, especially if you're dumb, but it's the handling, holding, answering, fumbling and talking on the phone which is the biggest distraction. And yes, driving with one hand to the ear is different than driving with one hand on the arm rest. Lots of people can successfully pull it off, but for most it just plain isn't safe.