 Three, AI-generated phone calls are now a possibility. If the story involves a problem that can only be solved with your money, be safe. Be sure you're talking to the person you think you are. If you believe a loved one is really in danger, hang up and contact law enforcement. The Change Journey, brought to you by Pacific Crest, where you can find your people. We all know folks that can use a little help. Together we can, together we can.