On the John Phillips Show, Mister Randy wanings in Culver City.
John, I've said it before, I'll say it again. Local news gets results. Just two days after all of our local TV stations in southern California started covering the crazy Naked Guy in Resita, the LAPD arrests the crazy Naked Guy in Resita.
Once again.
The City of Los Angeles teaches you that if you want to solve a problem, you have to go outside the chain of command got him on felony, criminal threats complaints that have been made for over three years, one hundred and fifty calls to LAPD. Nithia claims she's only just heard about it, but as soon as naked Guy got on the TV, the government started working. Eight hundred two two two five two two two is a telephone number one eight hundred two two two five two two two.
It is our pleasure to welcome our next guest to the program. She is a candidate for the California Insurance Commissioners post. The incumbent Insurance Commissioner, Ricardo Lara, is termed out and can't run for a third term, so the seat is open. Her name is Stacy Course garden and you can get her online at Stacyfinsurancecommissioner dot com. Stacy thanks so much for joining us.
It's great to be with you. John, thank you for having me.
Why should you be the next insurance commissioner for the state of California.
Simply put, it's experience. I've spent my career as an insurance and a financial advisor. I started my firm right out of college in nineteen eighty eight, and I've helped people, small businesses and working families have the proper insurance before, during, and after acclaim. So I've a nationally recognized agency. So I've had a lot of success, and I just cannot sit by and watch inexperience just destroy the security that
families need in California. It's just falling apart, and I know how to fix it.
Whenever we talk to fire victims who call into the show, whether it be in Alta, Dina or Pacific Palisades, or even before that in Malibu, we hear the same story over and over and over again from the homeowners, which is they're having some sort of problem with their insurance company. They call the California Department of Insurance and they cannot
get a call returned. We know that the current insurance Commissioner, Ricardo Laura, has been an absentee landlord where he's been traveling around the globe from hotspot to hotspot, being wined and dined by the insurance industry, going to conferences in every desirable vacation destination on planet Earth, while he's not
doing his day job. As someone who understands the insurance industry, what is it that needs to be done in that office so that the basics are completed, so that calls are returned and people don't feel like they're on their own.
The fire that occurred in Altadena, Pacific Palisades and the Malibu area, it actually is a sample or an example of everything that's wrong with the system from the insurance company level all the way up to the Department of Insurance if as commissioner, and it's part of my plan on my website is the Department of Insurance should have had a physical presence, some kind of unit of some kind of building or a mass unit where they were
there to handle complaints and to serve the customer. The prime role of the Department of Insurance is to advocate for the customer in the middle of a catastrophe like that, insurance companies are their claims department have blown up too. They have so many claims they do not have the manpower to actually handle it in the beginning, so they bring catastrophe adjusters from all over the country. What's happened, though, is there have been some large examples where they the
insurance companies never got over that initial shock. They did not bring in a stable adjuster workforce to help adjust the claims, and so people in that area. Some of them have been very well served. I've heard great examples, but the other examples are simply atrocious. It's not it's so hard to hear well. The Department of Insurance role is to advocate for the consumer. They need to down there. I do want people to remember Ricardo Laura's name because
he should never ever run for public office again. He has in eight years done so much damage. So what are the solutions right now? The Department of Insurance is coming down hard on State farm and as they should. I've heard examples that there have been what's called a Roulette situation where there's been many, many adjusters. The problem that I see and my concern about how the department has handled it is. State Farm has always had a
good reputation. I would have liked to have seen the complaints be addressed in months one month, two month, three, so this could have been resolved because where it stands right now is very concerning for me because State Farm is potentially going to lose their license for a year. What that means is that twenty percent of the people in California could potentially their insurance policy could be at stake. I am one to as a leader and a communicator.
I thought and defended my clients for nearly forty years. When they're a problem, arose is you have to settle the problem quickly and efficiently. An insurance policy is a contract. The insurance companies have to abide by that contract, and if that's not being done, that needs to be handled quickly,
not sixteen months after the initial event. So yes, it's still a mess, and the leader the Department of Insurance a commissioner, needs to lead and guide everyone involved to a very speedy and accurate claims adjustment of of any claim.
We know that After the fires occurred and the mayor and other elected officials met with President Donald Trump, when he came to Los Angeles to assess the damage. They promised the federal government that they would move heaven and earth to get these people back in their homes, to rebuild, to clean up all of the damage, to make those neighborhoods safe again, so that it doesn't look like a bomb went off. Well, it still looks like a bomb
went off over there. The rebuilding process is way behind schedule, and it doesn't look like people are going back into their homes anytime soon. How much of those delays do you think can be attributed to the California Department of
Insurance not doing their job? And I asked that question because when you talk to homeowners and you talk to fire victims, at the top of their list, besides the city taking forever with the permit process and those administrative hurdles, their problems with their insurance company are number one or number two on the almost every list that I've seen.
So the big problem when you have a catastrophe or a let's say it was a single home here, it was whole neighborhoods, In my opinion, that check should be very quick. We're talking dwelling, personal property, loss of use, that would be food and lodging. When you're displaced out of your home. It's actually an often it's an easier claim to pay out because it's a complete loss where the problems are some of the things that are questionable,
some of the events that have happened. It was a very dirty claim, and so we're dealing with smoke damage, We're dealing with contamination. We're dealing with soils with contaminations inside the dry wall and inside the property. So the Department of Insurance again needs to be there to advocate for the client and to advocate for the consumer. How would that be done? Well, there's possibly could be some of the loss, part of the loss that was not
covered under the provision of the policy. We have to find a solution there are Would there be some kind of state coverage where we could draw upon the state taxes. I always bring this up because California Insurance is taxed to the tune of four billion dollars and that money goes to the general fund. We have such an unusual event here down in the Palisades, could we redirect some of that money to cover to speed up the recovery
and the development, redevelopment of this precious neighborhood. I would say, yes, it's going to take leadership, arding from the governor and the legislature and also local governments, but the Department of Insurance should be the one to spearhead this and organize and find solutions. In California, we have grit, we're strong people,
but right now we have very very weak leaders. And you can see people that are coming in from the private sector everywhere, from Mama Bears for superintendent to people that are running for mayor, and people that are running for like me, that are running for the insurance commissioner that can't stand to see what's happening. The taxpayer, the policyholder.
Californians do not feel represented. So I can tell you that there are many, many solutions and the Department of Insurance could be the center of finding those solutions for this issue.
You are a Republican. Ricardo Laura, the termed out incumbent, is a Democrat. So far, to my eye, everyone privately is willing to acknowledge that the guy is a disaster on just about every level, from ethics to performance and all points in between. Yet the only elected official on the Democratic side of the isle who I have seen publicly. Willing to call him out for his failure. Is John Gary Mendi, the Congressman from northern California, former insurance commissioner
here in California. How bad is it that the Democratic Party that elected officials within the Democratic Party have failed to call him out publicly when they know he is failing the people of California and the policy holders in California.
Well, I got to say that the Democrat Party definitely sticks together. We are so beyond that in California. We have to get past this. We need competent people that are going to create a functional prosperous I say prosperous state. We have so much opportunity in California and it's being denied us as homeowners, as people that reside here. So I want to say that one of my objectives when I'm elected as commissioner, this role needs to not be an elected office. It needs to be an appointment. And
this is why I say this. Ricardo Laura started his misbehaving pretty quickly out of the gate. He had traveled on about forty four trips. He's being investigated for ethics violations. If we had a competent chief executive officer called the governor, and the governor saw that the insurance commissioner was not present, wasn't competent that role. That person could be replaced, could
be fired and be replaced with someone that's competent. I also feel that the commissioner needs to of great experience in insurance. We do not have time in California to teach someone about auto insurance, about work up, about business insurance liability. Those are things I've had forty years of school, the experience in fighting for my clients. We do not have time to teach someone on the job. We need someone to walk in the office and say to the
commission to the Assembly, to the Senate. They have insurance committees. I could walk in day one and tell them, this is your punch list. California is not insurable right now. Our forests aren't well maintained, they aren't being finned. We have stacked brush. We have homelessness on the streets, which increases crime. We have Prop thirty six, seventy percent of the people in California voted for that John and yet
the people in Sacramento are not funding it properly. We need to support our police, so when you open up your policy, all of those things that I listed, fire, theft, vandalism, all of those things are covered under your homeowner's policy and all of those risks have gone up. It's risky. So the insurance companies are saying, well, you aren't allowing us to rate properly for decades, We're out of here. So this is just simply put, we do not have
practical thinking people. So I will open up a new business division at the Department of Insurance that will from day one say, insurance companies, we know that there's AI, there's capital people. Insurance companies want to come into state of California. We have to quickly depopulate the people that are on the fair plan or are seeing their existence. Existing carrier are raising their rates. People are suffering, and how do we relieve that suffering? We lower our risk.
We have to feel safe as people and businesses in californ that includes insurance companies. They have to look and see well they care about the risk. And then we're going to bring in competitions so we can have fierce competition for the policy holders in California. And this cannot be done by someone that does not know what they're doing. It has to be someone that's experienced.
Right before the fires were started in Alt Dina and Pacific Palisades, the woman in charge of the Fair Plan testified in front of the state legislature and said that they were one massive fire away from insolvency. We've seen not just one fire, but two main big fires since she made those remarks. Yet the number of people on the California Fair Plan has not gotten smaller, it's gotten bigger. How big of a problem is that? And how do you depopulate the fair Plan?
Okay, John, it's a huge, huge problem because what happens is is the fare plan has just ballooned. So there's more exposure on the Fair Plan. And now we've had some pretty good rains and it's going to get hot here pretty quick. We have a high chance of another problem, another fire. But what a lot of people don't know is when you're an admitted carrier in the state of California, let's say State Farm, Farmers, Triple A, all of those companies that people might recognize, they are also on the
hook for the Fair Plan. So let's say there's a huge loss the Fair Plan runs out of money, than the fair Plan can or this Department of Insurance excuse me, can say okay, well we're two billion dollars short this time. The fair Plan's two billion dollars short. So State Farm you have twenty percent of the market share, you get twenty percent of that two billion dollars. Ya Farmers you have fourteen percent. You pay fourteen percent of that two billion.
So the really convoluted and dysfunctional part of it is that the policyholders have to pay part and in some cases could pay all of that assessment on their policies. So even though a company might have looked at your house and said, you know what, it doesn't qualify, we're not going to write you. So you go over to
the fair Plan and you sign up. If there's a loss, there's a very good chance that the fair plan will run out of money, and then your company that denied you initially will have to pay a check, and then that check gets assessed on your policy. So everything we're one large claim away from another disaster. We have a storm brewing with State Farm. If they want to say, well, like Hewlett Packard Tesla, they say well we don't want to do business in California, then all of those policies.
It's more complicated than that. But if we lose state farm out of California, that's huge too. So your last question was how do we fix this? I'm going to go back to the basics of insurance. Number One. You have to have an insurable risk. And so if I go to your house and your house is beautiful in a normal world, I can insure it. Let's bring it to the state of California. Is the state of California insurable?
And I say no, because we haven't managed our forest, we haven't managed or mitigated our wildfire risk, we haven't mitigated our crime, all of the things that are so we need to lower that. Simultaneously, we need to bring in insurance companies. And I can tell you they want to come in. There are companies that want to come into the State of California. We need to let them in to take on some of the risk that's out there to That's what insurance does. It distributes the risk,
and right now it's too concentrated on few companies. Not good. So it is a very fixable problem, and I have hope that we cannot continue going down the destruction of the insurance number one. We have to hold the insurance companies accountable, but we need to find relief because people cannot afford what's going on in the insurance policy world. By bringing in more companies, that will help the affordability and we'll have more access to more cover.
Itt Stacy Course Godden.
She is a candidate for Insurance Commissioner here in the state of California. You can get her online at Stacy for Insurance Commissioner dot com. Stacy, thanks so much for stopping by.
Thank you so much.
John eight hundred two two two five two two two is telephone number one eight hundred two two two five two two two. If you'd like to email the show, you can do so at Johnny don't Like show at gmail dot com. That's Johnny don't Like at g mel dot com.
And Randy.
We're twenty five minutes away from the end of the show, but if you want to keep the party going, you can go ahead and do that.
All you got to do is search for the John Phillips Show wherever you get your podcasts, that could be the Apple podcast app, iHeart Spotify, search for the John Phillips Show, hit subscribe. You could download all the episodes. You can do a Google on the YouTube, get the free KABC app, the free KSFO app, the KMJ now app, because we're on that station Saturdays at noon, so many
different ways to listen live to this stuff whenever. We're doing it from noon to three, and you can download all the podcasts and listen on your time whenever you want.
Right now, it's time to open up the California Crime Blotterer.
It's happened yet again. Nice cee.
Time for the California Crime.
Blodder and Randy.
We're all in luck today because this edition is an Ed Lascos edition and it's on.
Like donkey kong.
Ed Lascos is here to cover someone trying to carjack a semi truck on the two ten freeway. But Johnny, before we get to that, there is actually some breaking Blotterer news as the LAPD and the DEEA are doing a massive drug rate in MacArthur Park right now, good clean that place out. The Feds are finally coming from MacArthur Park. All right, let's hear what Ed Lascos has to say about the attempted carjacking on the two ten.
In Silmhar's the following and breaking news out of sill Mar, where police shooting has led to road closures on the two ten freeway. The westbound lanes of the two ten at Polk Street remained close tonight. It began before the thick of rush hour as a police investigation took place. Let's go live to Fox Lovem's Ed Alascos there and Silmar with more for us, Ed.
And Marla. A quick update just moments to go.
CHP LAPD reopening the two ten freeway, So all the westbound lanes here through the Silmar area on the two ten open again after a closure of almost seven long hours.
They closed that part of the freeway for seven hours.
That had to make that commute real peachy.
Following a gunman who runs right onto.
The well, you know you can always take the scenic route. You get off on Yard now and you drive past the juvenile Hall and then you get on the five.
Have you noticed that.
The crime blotter has just kind of been San Fernando Valley news lately.
Yes, yes, I have noticed that.
Following a gunman who runs right onto the freeway right in the middle of the traffic, trying to carjack the driver of a big rig let's start it off with the captain from LAPD.
Listen there.
I don't know their involvement, but I do know at least one motorists. He attempted a carjack.
But this is crazy.
Usually if you have these attempt at carjacking sits on a city street, dot it on the middle of a freeway.
Certainly, I mean, it's certainly outrageous. We don't see this all the time.
But we did see it right here, right in the middle of the two tent treeway. That's the suspect there. He's down, his hands up.
And doing the play by play on arrest. You can't beat it.
After running from police wanted on a drug warrant.
It's at some point he runs from them. I don't know his exact rut of travel, but he goes down onto the freeway and that's where he confronts an uninvolved motorists, attempts to carjack him, while carjack that motorists while armed.
By the way, this tells you how slow the freeway was moving that somebody could run onto the freeway and try to carjack somebody. You only can do that when the freeways moving about three miles an hour and you know.
What people are doing during commute. They're talking on the phone, they're eating a breakfast sandwich, they're putting on their makeup. They're doing everything they're not supposed to be doing. And then all of a sudden, some nut tries to take your car from you while armed with a handgun from sky Fox.
There's the handgun. See it down on the freeway. And it's not just any carjacking here. He is trying to jack the driver of this big rig. Hey, you're gonna go for it, go big Okay.
Now, my guess is that driver wasn't putting makeup.
On with LAPD hot on his tail.
The officers gave him commands to drop the weapon. He didn't comply, and then an officer involved shooting occurred. At that time, the subject was struck by officers gunfire. He fount of the ground in close proximity to that weapon, and he still continued to not comply with officers.
That's when the LAPD fires. It's forty millimeters less lethal round. There's the shell casing from that. It's right there on the freeway.
That's why they shut down the freeway because they got to collect the shell casings.
Good lord, marked by evidence marker number three.
Look, you got the guy. I know you have to do an investigation. I know that you want to be thorough, but seven hour closure seems excessive.
In the old days, they would have turned him into a piece of Swiss cheese.
Marked by evidence marker number three. The driver of the big rig. He's shaken up after nearly being jacked by a gunman. While you think commute is jack do'll tell you by this huge backup, Look at this traffic.
It's a nightmare.
One a hole ruins the commute for everyone. And now couter has PTSD well. And the way that our freeway system works. You clogged that section of the two ten. Now you're clogging the one to eighteen. Now you're clogging the five. Now you're clogging the four h five. It just as one goes down, they all go.
Down, stretching on for miles, with all the lanes of the two ten West closed for nearly seven long hours, all after a wild scene. That gunman running onto a busy freeway, running between traffic, just trying to jack an eighteen wheeler.
What a dangerous, rapidly escalating situation. Those officers quickly.
Took action We're so lucky no one has heard it.
Thank god, nobody was seriously hurt, especially given the time that it occurred this afternoon.
What is it about the culture of Los Angeles that the immediate instinct is to run, and it's to carjack, and it's to evade the police on the freeway. I feel like that is a very uniquely La thing well.
And it's also indicative of the fact that they don't believe there are consequences for anything.
If you're gonna do.
All of that in broad daylight under normal circumstances, you go to prison for a long time. But here they think they're just gonna get away with it with either nothing happening to them or a slap on the wrist.
And awlah the captain right about that.
At the time this afternoon, when all this goes down leading into the evening rushes, you know the two ten here westbound, especially those lanes heading over to the one eighteen to five to four h five northern part of the valley main artery, and then you have, of all things, is one of the bystanders said, you expect a big traffic jam like this. Marlaurie, as he was saying you expect a big cigarette when you have a horrible accident
on the two ten freeway. We have a lot of folks who are known to speed, but the last thing you'd expect is someone with a gun running onto the freeway, running from trying to carjack the driver.
Of an I'm telling you the big takeaway from this story is the traffic is so awful. Cars are moving so slowly that someone can even try to carjack someone on the freeway.
The driver of an eighteen wheeler. Really crazy situation here, A.
Very unusual situation out there. But the good news tonight as timing would have it back open. But the ripple effect, I imagine, is still there.
It really was, especially on a lot of the surface streets here. Glen Oaks really was one of the main arteries that sort of runs surface streets but parallels the freeway in this area that was jammed for several hours finally easing up here.
You know what happens when you get into a big traffic jam like this is everyone's got their Google Maps or their Apple Maps or their ways open, and they all give you the same stupid advice, and then everyone takes that advice, and then they all get off on the side street and now that's jammed.
Could you imagine how furious you would be if you were late for work and got in trouble, or you missed your flight, or you missed your cruise ship, or you missed whatever important event you were supposed to go to that particular day, because this idiot deciding to do that.
Finally easing up now as we move in past the nine o'clock hour. As for that gunman, he's hit by police, taken to the er, not seriously heard. We're told that he's already been out of the hospital, already booked on all of these charges.
The driver of the big rig shaken.
He's okay, but certainly, as the captain was saying, you got to imagine feel sorry for the guy. He's just trying to make a delivery.
Yep, those goods aren't going anywhere anytime soon. There you go ed Lasco's narrating the jackass trying to evade the police that attempted to carjack a big rig on the two ten freeways.
How crazy is that?
I hope that idiot was treated by a doctor at the hospital who was educated at a medical score that advertised on Moury and I hope he forgot a sponge inside him and sewed it up. It's time to reopen to the California crime Blodder.
It's happened yet again. This wow, Wow, what's not weird?
Dun dun dunn dun dun.
Dun reached the Califonia crime bladder with.
John and.
This next edition of the Blotterer involves well, something that Randy loves more than motherhood and apple pie advantage miles.
Some horrible, awful person decided to hack into a frequent flyer's account and steal all their airline miles.
I hope that person got stuck at DFW For more, here is kc RA three in Sacramento.
Up to a case every three investigation.
Scammers are now finding ways to take off with your loyalty reward points.
When an American Airlines customer learned.
A hack, hey, if you steal enough points in one go, do you get status?
You might be exec plat.
When an American Airlines customer learned a hacker stole her frequent flyer miles, it was a time to call three to investigate.
Here's KSERI THREEZ Curtis may Edie Golston. Many of us may have miles or hotel loyalty rewards points, and some of us hore them for maybe a special trip or to use if there's some sort of an emergency.
But we have well, they also devalue them all the time, so you have to hoard them to be able to even use them.
And the emergency is you.
Really want to go to Maui to use if there's some sort of an emergency. But we have learned hackers are finding your points valuable.
Lid roths.
Okay, if they've got music behind us, it sweeps weak everybody.
Lida Roth has traveled the world, racking up frequent Flyer miles as a passenger American Airlines and by using their branded credit card.
But one weekend, all right, so is she group one? Well, it depends what kind of status she has. It depends on where she's sitting on the plane. If she fakes an injury, she could board before group one.
I'm group four, and I'm always jealous of those Group one, two and three people.
Well, aren't they normally in wheelchairs?
Though one weekend, she logged into her American Advantage account, I wish just crash nearly two hundred thousand of her heart earned frequent Flyer miles gone. A hacker got into her account.
And that's almost like half of one way for a business class ticket unless you buy those things last minute. If you just like six months from now, I want to go to Europe and you want to fly business class on American to any major city, whether it's London, it's Dublin, it's Madrid, American's like, yeah, four hundred and fifty thousand points.
Please.
If you wait till like three weeks before and you don't really care what country you're going to, you'll find a deal for seventy thousand points.
I am so cheap when it comes to spending those points, you would not believe it.
Hacker got into her account and bought gift cards with them.
That's your first red flag. Who the hell is using advantage miles to buy gift cards?
That's a strange one.
And you're hearing you're not going to get them back?
What did you think?
You know? It's a violation, it's a theft. And I did shed a few tears. I did cry, you can.
Use them, I would do.
You know how hard I've worked to get all these points and all these different credit cards, and do you.
Know how much abuse you've gone through going through all of those airports.
You can use them for almost anything these days.
Flint Henderson, with a Points guy, says two years ago, scammers also targeted his American Advantage miles booking cars in New York City.
Who's using miles to book a rental car? You could use those miles for a lot of things. You can get magazine subscriptions with them.
Who's doing that?
That definitely wasn't me, And sure enough my account had pretty much been drained.
And get this, he says. American claimed his nearly four hundred and fifty thousand stolen miles were worth a whopping thirteen thousand, two hundred and sixty dollars.
Maybe depends what you use a lot of money.
It depends what you use them for and how much the cash value is on those business class flights.
You might be right.
Seriously, I don't understand how anyone buys any of those flights with cash. You're talking five six thousand dollars.
Well, the problem is once you sit in first class, you get addicted to it fast because you have huge, comfortable chairs, you have plenty of leg Room, all the newest magazines. It's like going to Supercuts.
These things do have real value.
So just how are the bad guys doing it?
Well, they are searching the dark web for all of your breached user names and passwords.
They then, you know how, every three weeks you get a letter in the mail from Target saying that all your data was breached. It ends up on the dark web. Then they guess what your password is and they use it on every possible account you can have. Did you see that our union just got compromised and all of our information was stolen? But they'll only give you part of the settlement if you can prove that someone stole your identity.
Sounds about right.
They then start plugging them into various sites.
It's Union duws month, isn't it it is?
They then start plugging them.
I put that on my credit card. I'm getting points.
They then start plugging them into various sites and siphoning your points just as quick as they can.
Now, both Clinton's I don't feel like I get a whole lot for my union dues, but I am going to hit that bus on my MX.
Well, there you go.
Now, both Clinton and Linda learned even if you catch the crooks right away, it could be tough to report it to the American Airlines fraud department. And that's because the fraud department is closed on the weekend.
What why are these departments not open twenty four hours?
Aren't they all in the Philippines anyway?
The fraud department for American Airlines is only opened by phone Monday through Friday from nine to five.
Come on, American.
The thieves know that, and they take advantage of it, and suit get it.
They take advantage.
You know what's funny. When the AI goes over the intercom at the gates, they call it a advantage instead of advantage.
It tricks the computer.
The thieves know that, and they take advantage of it, and so they'll steal yourself on the weekends when there's no way to report it.
I don't think in this day and age, that you can have your fraud department on the open business hours Monday through Friday.
I think that doesn't work anymore.
There's nothing we can do in our policy is that we cannot brand state your mouth.
I reached out to American Airlines, which says, when we identify or are made aware of unauthorized activity in an advantage account, we act quickly to secure the account and work directly with a customer to resolve the issue and help prevent similar incidents. They suggest using strong, unique passwords and opting and to multi You know.
They say that, but when you have to have a password for every website in the world that you use on a regular basis, every single company you do business with, who's writing down fifty five unique different passwords, it's just not feasible.
When I upgraded my iPhone, I got locked out of every single app on my phone, and I cursed and I swore, and I was angry for about three to four weeks.
And opting in to multi factor authentication.
Now, I do say that is a good thing.
And every app that you don't have that on, if they allow that where they text you the little one time code, that's great. And you know, I love I love the website to let you do that instead of your password, because everyone forgets their password. Well, you know the problem with that facial recognition though, what's that if Rachel Maddow or Ron Reagan Junior were ever able to get a hold of my phone, they'd be able to get right in