So I showed my wife and there was no "answer" button after I got back from Verizon. She just says move the the puzzle piece and answer it.
I had no idea that there were two ways to answer the phone.
One must be while the phone is actively used - "answer",
the other "puzzle" piece when the phone has been inactive.
I missed that in the last few replies - "was there a puzzle button", I was so focused on my "missing" answer button.
Not that I could get that info from the 4 page instruction book (ok, more pages, I exagerate but not much exagerated).
I come from a Blackberry background at work, where you pull the phone out of the holder and it is automatically in answer mode, a much simpler prospect. So the lock mechanism thing stinks in my opinion. I am currently working with an Android app "Screen On" which helps with some of that.
My wife usually has issues learning new stuff on phones and I tell her how it works. I told her this was why we both got the same phone - to help each other out.
The phone in all other respects, except the apps you can never delete but workaround, is excellent. Battery life is one day just like a Blackberry. My old LG flip phone though would charge and last 3-4 weeks, but not as fun!
Thanks for you replies. Hope this helps some other sap out.