This should be very basic, but I don't get it, so here it goes.... Is it possible to use the iPhone like a regular phone (holding up to the ear)? I know it works great with the headphones/bluetooth/speakerphone. But it is possilble to hold a private conversation without something plugged into the phone? And is the speaker and microphone at the bottom? Do you guys hold the phone upside down to listen when you're using the phone outside, because I find the speaker isn't very loud. Thanks!