Why is the lower part of my iPhone screen unresponsive (certain apps only)?

I have an iPhone 3GS, just updated it to iOS 6 last week.
It has been working fine, but since yesterday the lower 1/10th of the screen (where the send button is for SMS, space bar and other key items) is unresponsive in certain apps.
For example, I can swipe to unlock the phone from the locked state and generally use the lower 1/10th of the screen, but when I try to use this area in Messages, Camera, emails and other key apps the lower 1/10th of the screen is unresponsive.  Nothing happens when I click action items.  In some apps (messages) it is only the lower left corner that doesn't work.
Has anyone had app specific unresponsiveness from their iPhone screen?
I restored the phone last night to no avail.
HELP!!
I need it to work until I upgrade to iPhone 5 when it is back in stock!

iPhone, iPad, iPod touch: Troubleshooting touchscreen response
Symptoms
Use this article to troubleshoot the following iPhone, iPad, iPod touch Multi-Touch display (or touchscreen) response issues:
Multi-Touch display (or touchscreen) does not respond
Portions of the Multi-Touch display do not respond
Multi-Touch display is very slow to respond
Multi-Touch response is erratic
Resolution
If your device is experiencing any of the symptoms listed above, try the following steps:
Restart your device
Hold the On/Off button until "slide to power off" appears. Slide to power off your device. When it is off, press the On/Off button to turn it back on.
If you can't restart your device, reset it by pressing and holding the Sleep/Wake button and the Home button at the same time for a least ten seconds, until the Apple logo appears.
Clean the screen with a soft, slightly damp, lint-free cloth.
Avoid using the device while wearing gloves, with wet hands, or immediately after applying hand lotion.
If you have a protective case, or if you are using a plastic sheet or film on the display, try removing them and testing the device without it.
If the steps above don't resolve your issue, please schedule a service appointment with an Apple Retail Store for evaluation. If an Apple Retail store is not an option, contact Apple to find out your best service option or see theService FAQ for your product.
Reference: http://support.apple.com/kb/ts1827

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