March 3, 2026
Revisiting scams from 20 years ago
This week, we are going to talk about how scams have changed over the last 20 years. Most scams are now operated by transnational criminal gangs that are well financed, organized, and skilled at stealing our money. Today’s scammers are ruthless financial predators that will not stop until they have taken all the money you have.
Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).
Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.
Become a supporter of this podcast: https://www.spreaker.com/podcast/let-s-talk-about-scams--6483699/support.
WEBVTT
1
00:00:01.040 --> 00:00:04.639
This program is designed to provide general information with regards
2
00:00:04.639 --> 00:00:07.599
to the subject matters covered. This information is given with
3
00:00:07.679 --> 00:00:12.039
the understanding that neither the hosts, guests, sponsors, or station
4
00:00:12.240 --> 00:00:17.440
are engaged in rendering any specific and personal medical, financial,
5
00:00:17.800 --> 00:00:22.760
legal counseling, professional service, or any advice. You should seek
6
00:00:22.800 --> 00:00:26.879
the services of confident professionals before applying or trying any
7
00:00:27.000 --> 00:00:32.799
suggested ideas. The information contained in this podcast is intended
8
00:00:32.799 --> 00:00:36.039
for informational purposes only and is not a substitute for
9
00:00:36.079 --> 00:00:40.439
individual professional legal advice. The podcast information was carefully compiled
10
00:00:40.439 --> 00:00:44.560
from vetted sources and references. However, Rose Resources outreach to
11
00:00:44.640 --> 00:00:47.640
safeguard the elderly cannot guarantee that you will not fall
12
00:00:47.719 --> 00:00:52.640
victim to a scam. Let's talk about scams. It's the
13
00:00:52.960 --> 00:00:56.640
must listen show for anyone who wants to protect themselves
14
00:00:56.679 --> 00:01:00.759
and their loved ones from scams. Every Tuesday, eight am
15
00:01:00.799 --> 00:01:05.159
Pacific time on K four HD Radio, Joyce Petrowski, founder
16
00:01:05.200 --> 00:01:09.599
of Rose, and her guests will provide valuable insights and
17
00:01:09.719 --> 00:01:14.599
practical tips on how to recognize and protect yourself from scams.
18
00:01:14.879 --> 00:01:18.640
And now here is your host, Joyce Petrowski.
19
00:01:19.640 --> 00:01:23.439
Good morning, everybody, my name is Brian Watson, community outreach
20
00:01:23.480 --> 00:01:27.959
specialist for Rose Resources Outreach to safeguard the elderly, and
21
00:01:28.040 --> 00:01:31.879
thanks for tuning into Let's talk about scams. Joyce asked
22
00:01:31.920 --> 00:01:34.680
me to fill in today and it's my honor and
23
00:01:34.760 --> 00:01:39.599
I hope to inform and entertain you as today's discussion
24
00:01:39.959 --> 00:01:46.959
is titled Revisiting scams from twenty years ago. So many
25
00:01:47.040 --> 00:01:53.280
years ago, I attended a rotary fundraiser Rotary Club of America,
26
00:01:53.599 --> 00:01:58.120
huge service organization located all across the country. My dad
27
00:01:58.200 --> 00:02:01.599
was a rotarian, and they were having a fundraiser out
28
00:02:01.640 --> 00:02:07.040
in California up in the mountains, and they were boiling shrimp.
29
00:02:07.079 --> 00:02:10.000
It was called a shrimp feed, and so you could
30
00:02:10.039 --> 00:02:11.719
eat as much shrimp as you want and it was
31
00:02:11.719 --> 00:02:16.240
a great time. Met a lot of nice people and
32
00:02:16.560 --> 00:02:19.240
met other rotarians. And I met a rotarian from the
33
00:02:19.280 --> 00:02:21.960
Bay Area, and he happened to be a dentist, and
34
00:02:22.039 --> 00:02:24.479
I started telling him what I did for my career
35
00:02:24.840 --> 00:02:29.759
and back then, this was back in the nineties, in
36
00:02:29.879 --> 00:02:33.360
mid nineties, and I was an IRS special agent. So
37
00:02:34.000 --> 00:02:36.919
this dentist from this Rotary club invited me to speak
38
00:02:36.919 --> 00:02:40.439
at his rotary club, and I was very honored, We
39
00:02:40.520 --> 00:02:44.759
had breakfast. I spoke for about twenty minutes about kind
40
00:02:44.759 --> 00:02:46.919
of the things I did as an IRS special agent,
41
00:02:47.759 --> 00:02:50.080
but I also talked about tax scams. So it was
42
00:02:50.120 --> 00:02:53.400
the first time I kind of went out in public
43
00:02:53.639 --> 00:02:57.680
and did fraud prevention. And if you've ever been to
44
00:02:57.680 --> 00:03:02.120
a rotary club, they're great. You eat, you learn some things,
45
00:03:02.159 --> 00:03:04.919
you meet some people, and they laugh at all your jokes.
46
00:03:05.120 --> 00:03:07.800
And not that I was trying to be a comedian,
47
00:03:07.919 --> 00:03:10.240
but if you're going to have if you're going to
48
00:03:10.280 --> 00:03:11.840
do a speech, you got to have a little fun.
49
00:03:11.919 --> 00:03:14.120
So they laughed at my jokes. So this ended up
50
00:03:14.159 --> 00:03:17.759
being the starting point for my path to public speaking.
51
00:03:18.960 --> 00:03:22.479
Just to give you a numbers, how many numbers I've
52
00:03:22.479 --> 00:03:25.800
done in terms of presentations, I've done forty rotary clubs,
53
00:03:25.840 --> 00:03:29.960
so I never envisioned that. Plus I've done probably two
54
00:03:30.080 --> 00:03:34.400
hundred other presentations for a variety of different groups. And
55
00:03:34.479 --> 00:03:39.159
I've learned I enjoy warning people about scams. So I
56
00:03:39.199 --> 00:03:43.120
want to tell a story from two thousand and four.
57
00:03:44.080 --> 00:03:48.159
I was invited to give a fraud prevention presentation that
58
00:03:48.479 --> 00:03:52.400
was hosted at a local church. It was this forum
59
00:03:52.759 --> 00:03:55.000
that they do, I believe once a month where they
60
00:03:55.000 --> 00:03:58.159
get a guest speaker, and they had four hundred people there.
61
00:03:58.960 --> 00:04:04.599
And the local newspaper actually covers the topic of the
62
00:04:04.639 --> 00:04:08.479
forum and what was discussed at the forum each month.
63
00:04:09.560 --> 00:04:13.039
So my mom actually cut the article out of that newspaper.
64
00:04:13.080 --> 00:04:15.680
I have it right here on my wall. It says
65
00:04:15.759 --> 00:04:22.199
forum speaker advises how to avoid scams. I like, and
66
00:04:22.240 --> 00:04:24.399
that's such a mom thing to do, to clip the article,
67
00:04:24.439 --> 00:04:27.439
because that's what moms do. But the great thing about
68
00:04:27.480 --> 00:04:30.480
this article it has a picture of me and I
69
00:04:30.519 --> 00:04:33.920
had no gray hair. So when I do in person
70
00:04:34.399 --> 00:04:38.519
fraud prevention presentations, I like to show this picture because
71
00:04:38.560 --> 00:04:41.600
I was a naive looking thirty something year old with
72
00:04:41.639 --> 00:04:43.639
no gray hair, and it always gets a laugh from
73
00:04:43.680 --> 00:04:50.319
the audience. And the other thing that's very important about
74
00:04:50.319 --> 00:04:56.439
this article is it illustrates how much scams have changed
75
00:04:56.600 --> 00:05:01.959
over the last twenty plus years. I read the article,
76
00:05:02.439 --> 00:05:05.160
I can tell you what's in it. Three big things
77
00:05:05.160 --> 00:05:07.839
from two thousand and four as it relates to scams.
78
00:05:08.560 --> 00:05:11.839
First of all, we talked about phishing. Joyce and I
79
00:05:11.879 --> 00:05:16.399
are always talking about phishing scams. Those are unsolicited emails
80
00:05:17.040 --> 00:05:20.480
meant to trick you into thinking you're dealing with a
81
00:05:20.519 --> 00:05:25.759
government agency or a bank or some other authority and
82
00:05:25.800 --> 00:05:30.000
they get you to provide financial information or pay money.
83
00:05:30.040 --> 00:05:33.079
So that was number one phishing. The second thing I
84
00:05:33.120 --> 00:05:37.319
covered in two thousand and four was identity theft. Is
85
00:05:37.399 --> 00:05:41.319
identity theft still a problem today. Yes, you've got to
86
00:05:41.360 --> 00:05:45.399
guard your identity, but sometimes you can do everything right
87
00:05:45.839 --> 00:05:49.399
and a data breach will expose your personal information, but
88
00:05:49.680 --> 00:05:52.879
you still got to monitor your credit, just respond to
89
00:05:52.920 --> 00:05:56.920
any notices, and just be very aware and guard your information,
90
00:05:57.639 --> 00:06:02.839
especially guard your social Security number, in your date of birth, passwords,
91
00:06:02.879 --> 00:06:07.319
just that personal information. And then the last thing I
92
00:06:07.399 --> 00:06:11.800
spoke about in two thousand and four were Nigerian email scams.
93
00:06:12.360 --> 00:06:16.959
And yes, there were Nigerian email scams over twenty years ago,
94
00:06:17.600 --> 00:06:21.439
and they're going to persist because they work, They work,
95
00:06:22.160 --> 00:06:27.480
people fall for them. Just last month, my mom's neighbor
96
00:06:28.199 --> 00:06:32.439
received the Nigerian email scam and she printed it out,
97
00:06:32.560 --> 00:06:34.680
gave it to my mom. My mom gave it to me,
98
00:06:35.240 --> 00:06:38.199
you know, just so I it helps me stay aware
99
00:06:38.399 --> 00:06:41.360
on what's going on. So, yes, these Nigerian email scams
100
00:06:41.360 --> 00:06:46.279
still persist, persist. But here's the big deal. Twenty years
101
00:06:46.319 --> 00:06:50.519
ago scammers were not very organized, and frankly, they were
102
00:06:50.639 --> 00:06:54.360
not that good at what they do. Scams were not
103
00:06:54.399 --> 00:07:00.360
so prevalent. They were very very easy to identify. Times
104
00:07:00.399 --> 00:07:04.800
they were typos or grammar errors, and in most cases
105
00:07:05.279 --> 00:07:07.680
you could tell that it was written by someone who
106
00:07:07.759 --> 00:07:13.439
was probably born in another country. So scams just they existed,
107
00:07:13.439 --> 00:07:17.319
but they weren't a big deal. And also, twenty years ago,
108
00:07:17.560 --> 00:07:22.720
the financial losses related to scams were much smaller. In
109
00:07:22.079 --> 00:07:26.560
my observations, you know, scammers seem to be happy to
110
00:07:26.600 --> 00:07:29.600
get a few thousand dollars and then kind of that
111
00:07:29.759 --> 00:07:32.879
was it. It went away. So let's fast forward to
112
00:07:32.920 --> 00:07:37.800
now twenty twenty six, things have gotten much much worse.
113
00:07:38.519 --> 00:07:42.839
Most of these scams are actually operated by what we
114
00:07:42.959 --> 00:07:51.120
call transnational organized gangs. These are criminal organizations that are organized,
115
00:07:51.480 --> 00:07:55.759
they're well financed, and they're skilled at stealing money. They
116
00:07:55.759 --> 00:08:01.639
are absolutely professional. Many, if not most, of these criminal
117
00:08:01.720 --> 00:08:06.879
organizations actually operate outside the United States, which makes it
118
00:08:07.000 --> 00:08:12.319
very difficult for our government agencies to investigate them, to
119
00:08:12.360 --> 00:08:15.959
shut them down, to get money back, and most importantly,
120
00:08:16.000 --> 00:08:21.480
to prosecute them. And these organized gangs know this. And
121
00:08:21.519 --> 00:08:24.360
what also I've noticed is probably The biggest thing is
122
00:08:25.040 --> 00:08:31.279
today's scammers are ruthless financial predators. They will not stop
123
00:08:31.839 --> 00:08:35.519
until they take everything you have. Where back in the
124
00:08:35.639 --> 00:08:39.000
day scammers seem to be happy to get a few
125
00:08:39.039 --> 00:08:44.039
thousand dollars. Today I have met people that have lost
126
00:08:44.360 --> 00:08:47.320
in excess of a million dollars in a scam, and
127
00:08:47.360 --> 00:08:53.919
it's absolutely brutal. They are heartless, ruthless, brutal people, and
128
00:08:54.000 --> 00:08:57.440
they will they will take everything. It's unbelievable.
129
00:08:58.559 --> 00:08:58.759
You know.
130
00:08:58.799 --> 00:09:01.759
The scams they use to are the ones Joyce and
131
00:09:01.799 --> 00:09:05.759
I talk about on a regular basis, the phishing emails,
132
00:09:06.320 --> 00:09:12.200
the smishing text tech support scams, pig butchering, and of
133
00:09:12.240 --> 00:09:16.480
course the old classic phone scams. And the big thing
134
00:09:16.559 --> 00:09:19.919
with the scammers of today versus the scammers of twenty
135
00:09:20.000 --> 00:09:25.519
years ago, they are using scripts like they're either typed
136
00:09:25.519 --> 00:09:29.399
out or on a computer screen, and they're basically playing
137
00:09:29.440 --> 00:09:35.759
the role of someone else, and they will find what
138
00:09:35.799 --> 00:09:41.039
you're interested in, whether it's travel or sports or animals
139
00:09:41.879 --> 00:09:46.879
or whatever it is, food, you know, wine, and they'll
140
00:09:46.879 --> 00:09:50.480
tweak the script and they'll follow the script so they
141
00:09:50.519 --> 00:09:52.600
know how to get you. And the thing with these
142
00:09:52.639 --> 00:09:57.000
scripts is they're constantly changing them when something works, they
143
00:09:57.120 --> 00:10:00.320
use it. When a certain thing on a script doesn't
144
00:10:00.360 --> 00:10:03.960
seem to gain any traction with the victim, they won't
145
00:10:04.039 --> 00:10:10.440
use it. And then these days scammers demand payment through cryptocurrency.
146
00:10:11.080 --> 00:10:16.080
The most common, the most used cryptocurrency is bitcoin. They
147
00:10:16.159 --> 00:10:19.080
like to use wire transfer, they like to use the
148
00:10:19.159 --> 00:10:23.759
peer to peer transfers, that's the Venmo in the Zell
149
00:10:24.399 --> 00:10:28.080
And they also like the prepaid cards. And if you
150
00:10:28.120 --> 00:10:32.840
think about it, twenty years ago, we didn't have cryptocurrency,
151
00:10:32.960 --> 00:10:36.600
we didn't have zell, Venmo, PayPal or things like that.
152
00:10:37.360 --> 00:10:42.000
And then to top it off, we had cell phones
153
00:10:42.039 --> 00:10:46.600
twenty years ago, but we didn't have smartphones. Now pretty
154
00:10:46.679 --> 00:10:50.279
much everybody has a smartphone now, all ages. And when
155
00:10:50.320 --> 00:10:53.679
you carry this thing around, you're basically carrying around the
156
00:10:53.759 --> 00:10:57.840
equivalent of a portal that can get access to all
157
00:10:57.919 --> 00:11:03.720
of your financial information. And then today it seems like
158
00:11:03.960 --> 00:11:08.559
everything we're expected to do has to be online. You know,
159
00:11:08.639 --> 00:11:11.559
the days of just getting something in the mail, paying
160
00:11:11.559 --> 00:11:16.519
a check and sending it back. It's tough. I know this,
161
00:11:16.720 --> 00:11:21.440
like dealing with doctor's offices for myself, for my mom.
162
00:11:21.799 --> 00:11:23.799
Every time you go to a new doctor, you've got
163
00:11:23.840 --> 00:11:26.440
to create a you get access to the portal, you
164
00:11:26.519 --> 00:11:29.039
have to have a username and a password, so you
165
00:11:29.120 --> 00:11:33.279
might have dozens of user names and passwords, and they
166
00:11:33.320 --> 00:11:35.399
make you change them all the time. You're getting inundated
167
00:11:35.399 --> 00:11:38.799
with emails. It's a perfect scenario for scammers to get us,
168
00:11:39.440 --> 00:11:44.679
and it's absolutely tough in terms of scams. We are
169
00:11:44.759 --> 00:11:49.440
dealing with a national crisis. I'm not being dramatic. I'm
170
00:11:49.480 --> 00:11:53.600
basing this on what I see on a daily basis.
171
00:11:54.279 --> 00:11:59.080
I constantly am reading articles about people getting scammed. I'm
172
00:11:59.120 --> 00:12:02.759
meeting people they get scammed. I'm meeting people that tell
173
00:12:02.799 --> 00:12:06.600
me their relatives or friends have been scammed. Everybody has
174
00:12:06.600 --> 00:12:12.120
a scam story. Hoping it doesn't happen to you, your
175
00:12:12.159 --> 00:12:16.440
family member, friends, her neighbors is not a fraud prevention plan.
176
00:12:17.519 --> 00:12:22.879
We have to be mentally prepared to expect scams to
177
00:12:22.919 --> 00:12:27.080
come our way, whether it's from phone calls, text messages,
178
00:12:27.200 --> 00:12:30.080
or emails. You know, Joyce and I have shared the
179
00:12:30.120 --> 00:12:36.200
example of a lady that got scammed. It was a
180
00:12:36.200 --> 00:12:39.559
phone scam and the caller claimed to be from her bank,
181
00:12:40.360 --> 00:12:43.679
and you know, the caller ID I'm pretty sure had
182
00:12:43.679 --> 00:12:46.639
the name of her bank pop up. I don't know
183
00:12:46.679 --> 00:12:50.600
if it was luck or if it was planned. It
184
00:12:50.639 --> 00:12:53.759
doesn't matter. The caller on the other end of the
185
00:12:53.759 --> 00:12:58.840
line said, ma'am, we've identified an insider at your at
186
00:12:58.919 --> 00:13:01.879
our bank. I'm with this security department. You need to
187
00:13:01.879 --> 00:13:05.320
listen to me carefully, do exactly what I say, or
188
00:13:05.360 --> 00:13:07.960
you're going to lose your money. And in this scam,
189
00:13:08.399 --> 00:13:13.600
this fake security department employee convinced her to withdraw most
190
00:13:13.639 --> 00:13:18.519
of her money and deposit it into a cryptocurrency ATM
191
00:13:18.600 --> 00:13:22.559
using a QR code that they provided. And it was
192
00:13:22.840 --> 00:13:27.960
absolutely horrible scam. And I've spoken to this lady and
193
00:13:28.080 --> 00:13:31.039
she's a very smart lady and just feels horrible about it.
194
00:13:31.639 --> 00:13:35.159
So in a situation like that, what you need to
195
00:13:35.200 --> 00:13:39.840
do is hang up the phone. Okay, So that means
196
00:13:40.039 --> 00:13:43.759
see what you tell the scammera is. I appreciate you
197
00:13:43.840 --> 00:13:47.000
reaching out to me. This is very important. I'm listening
198
00:13:47.000 --> 00:13:49.360
to what you have to say, but I'm going to
199
00:13:49.399 --> 00:13:52.080
make sure this is legitimate. You hang up the phone,
200
00:13:52.759 --> 00:13:55.320
then you get your wallet out and you find your
201
00:13:55.320 --> 00:13:59.000
debit card or your ATM card, call the customer service
202
00:13:59.120 --> 00:14:02.799
number on the back, and then you ask to be
203
00:14:02.840 --> 00:14:07.120
transferred to the security department. If it's legitimate, you've verified
204
00:14:07.159 --> 00:14:10.080
it and saved yourself a lot of time. But most
205
00:14:10.200 --> 00:14:12.679
likely it was a scam, and they'll say there's nothing
206
00:14:12.799 --> 00:14:15.799
wrong with your account. So the reason I bring this
207
00:14:15.919 --> 00:14:21.200
up today is just last week I met somebody who's
208
00:14:21.240 --> 00:14:25.039
a gentleman who knows a lot about scam prevention, and
209
00:14:25.080 --> 00:14:28.960
he shared a variation of that story. Because the criminals
210
00:14:29.120 --> 00:14:34.039
know that all of us in the fraud prevention world
211
00:14:34.120 --> 00:14:36.879
are telling people to hang up and call a verified number.
212
00:14:37.200 --> 00:14:39.600
So this is the new twist that the scammers are doing.
213
00:14:40.960 --> 00:14:44.360
When they do that, they say, all right, let's call
214
00:14:44.399 --> 00:14:48.279
your bank. Let's call the bank number together. So while
215
00:14:48.320 --> 00:14:49.919
they have you on the phone, the two of you
216
00:14:49.919 --> 00:14:54.480
are on the phone, they actually ask for your verified number.
217
00:14:55.279 --> 00:14:58.240
Pretty smart, huh. So they have you flip out your card,
218
00:14:59.000 --> 00:15:02.960
open your card, slip it over, and they dial the
219
00:15:03.039 --> 00:15:06.360
number and they actually get the voicemail for your bank,
220
00:15:07.399 --> 00:15:12.559
and then right at the last minute, they switch lines
221
00:15:13.000 --> 00:15:18.279
and add a scammer. It's extremely ingenious. So you think
222
00:15:18.320 --> 00:15:21.240
you're doing the right thing, you think you're calling your
223
00:15:21.240 --> 00:15:25.080
bank directly, but they're just getting you transferred to one
224
00:15:25.120 --> 00:15:29.879
of their fellow scammers. So that's why with this particular
225
00:15:29.919 --> 00:15:34.559
bank scam, the phone scam, hang up the phone and
226
00:15:34.720 --> 00:15:39.519
you dial the number. Okay, it's these scammers are just unbelievable.
227
00:15:39.759 --> 00:15:44.679
So I wanted to share that little story. So when
228
00:15:44.720 --> 00:15:49.279
it comes to scam prevention, you got to educate yourself.
229
00:15:49.399 --> 00:15:52.759
You've got to stay current with the latest trends and
230
00:15:52.840 --> 00:15:57.440
tactics that the scammers are using. We want everybody to
231
00:15:57.480 --> 00:16:00.559
sign up for our monthly email. It doesn't cost any money.
232
00:16:01.799 --> 00:16:04.519
Joyce sends it out usually at the beginning of the month.
233
00:16:05.600 --> 00:16:09.159
It has all the latest scams we're seeing. We include
234
00:16:09.200 --> 00:16:13.440
some articles, maybe some short videos, some links that you
235
00:16:13.480 --> 00:16:18.000
can do. It's worth spending, you know, fifteen or twenty minutes,
236
00:16:18.200 --> 00:16:20.360
maybe even ten minutes is all it will take just
237
00:16:20.440 --> 00:16:24.799
to read everything and read the articles. It's an investment
238
00:16:25.120 --> 00:16:28.080
in your future. It's a way to secure your money.
1
00:00:01.040 --> 00:00:04.639
2
00:00:04.639 --> 00:00:07.599
3
00:00:07.679 --> 00:00:12.039
4
00:00:12.240 --> 00:00:17.440
5
00:00:17.800 --> 00:00:22.760
6
00:00:22.800 --> 00:00:26.879
7
00:00:27.000 --> 00:00:32.799
8
00:00:32.799 --> 00:00:36.039
9
00:00:36.079 --> 00:00:40.439
10
00:00:40.439 --> 00:00:44.560
11
00:00:44.640 --> 00:00:47.640
12
00:00:47.719 --> 00:00:52.640
13
00:00:52.960 --> 00:00:56.640
14
00:00:56.679 --> 00:01:00.759
15
00:01:00.799 --> 00:01:05.159
16
00:01:05.200 --> 00:01:09.599
17
00:01:09.719 --> 00:01:14.599
18
00:01:14.879 --> 00:01:18.640
19
00:01:19.640 --> 00:01:23.439
20
00:01:23.480 --> 00:01:27.959
21
00:01:28.040 --> 00:01:31.879
22
00:01:31.920 --> 00:01:34.680
23
00:01:34.760 --> 00:01:39.599
24
00:01:39.959 --> 00:01:46.959
25
00:01:47.040 --> 00:01:53.280
26
00:01:53.599 --> 00:01:58.120
27
00:01:58.200 --> 00:02:01.599
28
00:02:01.640 --> 00:02:07.040
29
00:02:07.079 --> 00:02:10.000
30
00:02:10.039 --> 00:02:11.719
31
00:02:11.719 --> 00:02:16.240
32
00:02:16.560 --> 00:02:19.240
33
00:02:19.280 --> 00:02:21.960
34
00:02:22.039 --> 00:02:24.479
35
00:02:24.840 --> 00:02:29.759
36
00:02:29.879 --> 00:02:33.360
37
00:02:34.000 --> 00:02:36.919
38
00:02:36.919 --> 00:02:40.439
39
00:02:40.520 --> 00:02:44.759
40
00:02:44.759 --> 00:02:46.919
41
00:02:47.759 --> 00:02:50.080
42
00:02:50.120 --> 00:02:53.400
43
00:02:53.639 --> 00:02:57.680
44
00:02:57.680 --> 00:03:02.120
45
00:03:02.159 --> 00:03:04.919
46
00:03:05.120 --> 00:03:07.800
47
00:03:07.919 --> 00:03:10.240
48
00:03:10.280 --> 00:03:11.840
49
00:03:11.919 --> 00:03:14.120
50
00:03:14.159 --> 00:03:17.759
51
00:03:18.960 --> 00:03:22.479
52
00:03:22.479 --> 00:03:25.800
53
00:03:25.840 --> 00:03:29.960
54
00:03:30.080 --> 00:03:34.400
55
00:03:34.479 --> 00:03:39.159
56
00:03:39.199 --> 00:03:43.120
57
00:03:44.080 --> 00:03:48.159
58
00:03:48.479 --> 00:03:52.400
59
00:03:52.759 --> 00:03:55.000
60
00:03:55.000 --> 00:03:58.159
61
00:03:58.960 --> 00:04:04.599
62
00:04:04.639 --> 00:04:08.479
63
00:04:09.560 --> 00:04:13.039
64
00:04:13.080 --> 00:04:15.680
65
00:04:15.759 --> 00:04:22.199
66
00:04:22.240 --> 00:04:24.399
67
00:04:24.439 --> 00:04:27.439
68
00:04:27.480 --> 00:04:30.480
69
00:04:30.519 --> 00:04:33.920
70
00:04:34.399 --> 00:04:38.519
71
00:04:38.560 --> 00:04:41.600
72
00:04:41.639 --> 00:04:43.639
73
00:04:43.680 --> 00:04:50.319
74
00:04:50.319 --> 00:04:56.439
75
00:04:56.600 --> 00:05:01.959
76
00:05:02.439 --> 00:05:05.160
77
00:05:05.160 --> 00:05:07.839
78
00:05:08.560 --> 00:05:11.839
79
00:05:11.879 --> 00:05:16.399
80
00:05:17.040 --> 00:05:20.480
81
00:05:20.519 --> 00:05:25.759
82
00:05:25.800 --> 00:05:30.000
83
00:05:30.040 --> 00:05:33.079
84
00:05:33.120 --> 00:05:37.319
85
00:05:37.399 --> 00:05:41.319
86
00:05:41.360 --> 00:05:45.399
87
00:05:45.839 --> 00:05:49.399
88
00:05:49.680 --> 00:05:52.879
89
00:05:52.920 --> 00:05:56.920
90
00:05:57.639 --> 00:06:02.839
91
00:06:02.879 --> 00:06:07.319
92
00:06:07.399 --> 00:06:11.800
93
00:06:12.360 --> 00:06:16.959
94
00:06:17.600 --> 00:06:21.439
95
00:06:22.160 --> 00:06:27.480
96
00:06:28.199 --> 00:06:32.439
97
00:06:32.560 --> 00:06:34.680
98
00:06:35.240 --> 00:06:38.199
99
00:06:38.399 --> 00:06:41.360
100
00:06:41.360 --> 00:06:46.279
101
00:06:46.319 --> 00:06:50.519
102
00:06:50.639 --> 00:06:54.360
103
00:06:54.399 --> 00:07:00.360
104
00:07:00.399 --> 00:07:04.800
105
00:07:05.279 --> 00:07:07.680
106
00:07:07.759 --> 00:07:13.439
107
00:07:13.439 --> 00:07:17.319
108
00:07:17.560 --> 00:07:22.720
109
00:07:22.079 --> 00:07:26.560
110
00:07:26.600 --> 00:07:29.600
111
00:07:29.759 --> 00:07:32.879
112
00:07:32.920 --> 00:07:37.800
113
00:07:38.519 --> 00:07:42.839
114
00:07:42.959 --> 00:07:51.120
115
00:07:51.480 --> 00:07:55.759
116
00:07:55.759 --> 00:08:01.639
117
00:08:01.720 --> 00:08:06.879
118
00:08:07.000 --> 00:08:12.319
119
00:08:12.360 --> 00:08:15.959
120
00:08:16.000 --> 00:08:21.480
121
00:08:21.519 --> 00:08:24.360
122
00:08:25.040 --> 00:08:31.279
123
00:08:31.839 --> 00:08:35.519
124
00:08:35.639 --> 00:08:39.000
125
00:08:39.039 --> 00:08:44.039
126
00:08:44.360 --> 00:08:47.320
127
00:08:47.360 --> 00:08:53.919
128
00:08:54.000 --> 00:08:57.440
129
00:08:58.559 --> 00:08:58.759
130
00:08:58.799 --> 00:09:01.759
131
00:09:01.799 --> 00:09:05.759
132
00:09:06.320 --> 00:09:12.200
133
00:09:12.240 --> 00:09:16.480
134
00:09:16.559 --> 00:09:19.919
135
00:09:20.000 --> 00:09:25.519
136
00:09:25.519 --> 00:09:29.399
137
00:09:29.440 --> 00:09:35.759
138
00:09:35.799 --> 00:09:41.039
139
00:09:41.879 --> 00:09:46.879
140
00:09:46.879 --> 00:09:50.480
141
00:09:50.519 --> 00:09:52.600
142
00:09:52.639 --> 00:09:57.000
143
00:09:57.120 --> 00:10:00.320
144
00:10:00.360 --> 00:10:03.960
145
00:10:04.039 --> 00:10:10.440
146
00:10:11.080 --> 00:10:16.080
147
00:10:16.159 --> 00:10:19.080
148
00:10:19.159 --> 00:10:23.759
149
00:10:24.399 --> 00:10:28.080
150
00:10:28.120 --> 00:10:32.840
151
00:10:32.960 --> 00:10:36.600
152
00:10:37.360 --> 00:10:42.000
153
00:10:42.039 --> 00:10:46.600
154
00:10:46.679 --> 00:10:50.279
155
00:10:50.320 --> 00:10:53.679
156
00:10:53.759 --> 00:10:57.840
157
00:10:57.919 --> 00:11:03.720
158
00:11:03.960 --> 00:11:08.559
159
00:11:08.639 --> 00:11:11.559
160
00:11:11.559 --> 00:11:16.519
161
00:11:16.720 --> 00:11:21.440
162
00:11:21.799 --> 00:11:23.799
163
00:11:23.840 --> 00:11:26.440
164
00:11:26.519 --> 00:11:29.039
165
00:11:29.120 --> 00:11:33.279
166
00:11:33.320 --> 00:11:35.399
167
00:11:35.399 --> 00:11:38.799
168
00:11:39.440 --> 00:11:44.679
169
00:11:44.759 --> 00:11:49.440
170
00:11:49.480 --> 00:11:53.600
171
00:11:54.279 --> 00:11:59.080
172
00:11:59.120 --> 00:12:02.759
173
00:12:02.799 --> 00:12:06.600
174
00:12:06.600 --> 00:12:12.120
175
00:12:12.159 --> 00:12:16.440
176
00:12:17.519 --> 00:12:22.879
177
00:12:22.919 --> 00:12:27.080
178
00:12:27.200 --> 00:12:30.080
179
00:12:30.120 --> 00:12:36.200
180
00:12:36.200 --> 00:12:39.559
181
00:12:40.360 --> 00:12:43.679
182
00:12:43.679 --> 00:12:46.639
183
00:12:46.679 --> 00:12:50.600
184
00:12:50.639 --> 00:12:53.759
185
00:12:53.759 --> 00:12:58.840
186
00:12:58.919 --> 00:13:01.879
187
00:13:01.879 --> 00:13:05.320
188
00:13:05.360 --> 00:13:07.960
189
00:13:08.399 --> 00:13:13.600
190
00:13:13.639 --> 00:13:18.519
191
00:13:18.600 --> 00:13:22.559
192
00:13:22.840 --> 00:13:27.960
193
00:13:28.080 --> 00:13:31.039
194
00:13:31.639 --> 00:13:35.159
195
00:13:35.200 --> 00:13:39.840
196
00:13:40.039 --> 00:13:43.759
197
00:13:43.840 --> 00:13:47.000
198
00:13:47.000 --> 00:13:49.360
199
00:13:49.399 --> 00:13:52.080
200
00:13:52.759 --> 00:13:55.320
201
00:13:55.320 --> 00:13:59.000
202
00:13:59.120 --> 00:14:02.799
203
00:14:02.840 --> 00:14:07.120
204
00:14:07.159 --> 00:14:10.080
205
00:14:10.200 --> 00:14:12.679
206
00:14:12.799 --> 00:14:15.799
207
00:14:15.919 --> 00:14:21.200
208
00:14:21.240 --> 00:14:25.039
209
00:14:25.080 --> 00:14:28.960
210
00:14:29.120 --> 00:14:34.039
211
00:14:34.120 --> 00:14:36.879
212
00:14:37.200 --> 00:14:39.600
213
00:14:40.960 --> 00:14:44.360
214
00:14:44.399 --> 00:14:48.279
215
00:14:48.320 --> 00:14:49.919
216
00:14:49.919 --> 00:14:54.480
217
00:14:55.279 --> 00:14:58.240
218
00:14:59.000 --> 00:15:02.960
219
00:15:03.039 --> 00:15:06.360
220
00:15:07.399 --> 00:15:12.559
221
00:15:13.000 --> 00:15:18.279
222
00:15:18.320 --> 00:15:21.240
223
00:15:21.240 --> 00:15:25.080
224
00:15:25.120 --> 00:15:29.879
225
00:15:29.919 --> 00:15:34.559
226
00:15:34.720 --> 00:15:39.519
227
00:15:39.759 --> 00:15:44.679
228
00:15:44.720 --> 00:15:49.279
229
00:15:49.399 --> 00:15:52.759
230
00:15:52.840 --> 00:15:57.440
231
00:15:57.480 --> 00:16:00.559
232
00:16:01.799 --> 00:16:04.519
233
00:16:05.600 --> 00:16:09.159
234
00:16:09.200 --> 00:16:13.440
235
00:16:13.480 --> 00:16:18.000
236
00:16:18.200 --> 00:16:20.360
237
00:16:20.440 --> 00:16:24.799
238
00:16:25.120 --> 00:16:28.080