Apple's own stats page for the iPhone says the operating system is "OS X," which implies an openness that would allow users to install their own applications, just like a regular computer. (In fact, while the definition of "smartphone" is murky, I've always said the line between smartphone and regular phone is exactly as wide as the difficulty and freedom of installing your own applications.)
Now people like Jupiter Research's Michael Gartenberg are saying you can't install applications on the iPhone, implying that whatever operating system is underneath is somewhat irrelevant. Even if it is a stripped-down version of OS X -- breaking, humorously, Steven Frank's attempt, just days before, to establish an axiom that "[should any] rumor contain the phrase "stripped-down version of Mac OS X"... the rumor is almost certainly false" -- if hackers, programmers, and users can't get at it, the whole thing is marketing clap-trap.
Back to my real question: Has anyone seen anything official that says it's a closed platform? Because I'm not finding it. (And unfortunately trying to get Apple on the horn today is a fool's game.)