When is it illegal to use a cell phone while driving?

Answer: D — All of the above

Using a cell phone while driving is illegal in most locations, as it can distract the driver and increase the risk of accidents. Option A, when stopped at an intersection, may seem harmless but it can also be dangerous as it may cause the driver to miss traffic signals or fail to notice pedestrians. Option B, when driving in a school zone, is also incorrect as it may pose a safety risk to students and other drivers. Option C, while talking or texting, is a common example of when it is illegal to use a cell phone while driving. However, the answer D, all of the above, is the most accurate as it covers all potential situations where using a cell phone while driving can be illegal.