I use Skype for phone calls, even for phone calls to real phones.
Mostly I use VirtualPC for webdesign, easy to transfer (only copy virtual disk) and if I messed up I use the undo disk.
MicroSoft VirtualPC is free (use google to find)
I guess it's a JavaScript in an external file ( <script src="url">), then a div is created (AppendNode), the new div gets a high z-index so it's at top of the page.
How they blend the rest of the page I still have to find out.