cell phones

what is your cell phone etiquette? have you given yourself one, or even thought about it?  have you given yourself social rules as to when to answer a call or not when you're with your friends or on a date?

how annoying when in conversation with a friend and they answer a call in the middle of listening to a story or opinion you have about something and they cut you off.  how many people can actually recall where they were in the midst of that story?!! i cant.  i feel it's rude to cut someone off.  

we have answering machines for a reason and eye-contact for a reason.  it's just a matter of knowing when to use them and not getting them flip-flopped.