Is it polite to talk at the table?

Chris, I don't think it's polite to bow your head and just eat your food when you dine with people at table. In fact, it's very impolite to look at your phones when you eat with some people at the table. You should have conversations instead of playing your phones. What if someone talks to you when you play your phone? It's rude and impolite that you focus on your phone when someone talks to you. At least, you should look at him/her when he/she talks. My friends and I have a deal. When we dine together, we always put our phones together. The first one who picks up his/her phone pays the bill.