I'll add this to the part about driving while talking: on a recent episode of Mythbusters, it was demonstrated that driving while having a cell phone conversation is actually MORE dangerous than driving with a blood alcohol content of 0.8, the legal limit in most states. The test drivers did worse on the driving tests while having complicated conversations than they did after several beers.
It wasn't the "hands on the wheel, eyes on the road" factor so much as the "concentration on the conversation" factor.
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