Yikes! The 2025 FBI data is not good!

0:01 This program is designed to provide general information with regards to the subject matters covered. This information is given with the understanding that neither the hosts, guests, sponsors, or station are engaged in rendering any specific and personal medical, financial, legal, counseling, professional service, or any advice. You should seek the services. Of competent professionals before applying or trying any suggested ideas. 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, Rose Resources outreach to safeguard the elderly cannot guarantee that you will not fall victim to a scam. Let's talk about scams. It's the must listen show for anyone who wants to protect themselves and their loved ones from scams. Every Tuesday, eight am Pacific time on K four HD Radio, Joyce Petrowski, founder of Rose, and her guests will provide valuable insights and practical tips on how to recognize and protect yourself from scams. And now here is your host, Joyce Petrowski.

1:19 Well, welcome back, everybody. I'm Joyce Petrowski, President and founder of Rose Resources Outreach to Safeguard the Elderly. You can go to our website at Roseadvocacy dot org. You can find our social media links at the top of the homepage. Scroll down to the bottom of the homepage and you can see where you can sign up for our newsletters. We do a monthly mailed newsletter which gets sent out the beginning of each month, and then we do a monthly emailed newsletter as well that goes out once a month towards the beginning of the month. But the other great thing with that one is every Tuesday morning at nine point fifteen Arizona time, which is a little more than an hour from now, you're going to get an email and it's going to be Tip Tuesday, and it's going to have a tip in there for you, and you might look at it and go, you know, oh wow, I didn't know that. Okay, that's great, or I already knew that.

2:19 But the other most just as important part to that is it's reinforcing your scam prevention habits. It's unfortunately, we're at a time today where in today's world where we need to hear about scams and about prevention habits and healthy skepticism on a regular basis in order to make it a habit. We want your healthy skepticism for you to be able to ask questions when you don't understand something. To that way, you can have a complete understanding before you're actually signing something, signing up for an account, giving out your personal sensitive information in your scam prevention habits.

3:00 The more that you make scam prevention a habit, the more you're when you are contacted, You're going to be more apt to think scam okay, what do I need to do to make sure that this is a scam or that this is legitimate? And then you're going to remember the tips that we give you on how to verify to make sure that the contact is actually legitimate. You can also download our safety checklist there as well. You can use that to as a checklist what it's for to check off, write dates next to it as to what areas and protection tools you want to put in place. So today we are going to talk about the FBI's report. It came out about a month ago for twenty twenty five. We're going to go through the elder fraud report and the Internet Crime Complaint Centers where all this data is gathered when people report that they were a victim of a scam. So I'm going to share my screen wrong cam or wrong.

4:12 There it is. It's been a while since I shared my screen. Let's see here entire screen. Okay, all right, so we're gonna go to here's the report, and I'm gonna show you really quickly. If you want to go down and look at any of the other reports, you just go to IC three dot gov. And right here public Information. Click on that. You've got the annual reports. You can look at public service announcements as well. That's something I'll be doing soon to I believe there's some new ones out there. But here's annual reports you can see too. You can go over here on the right and go down through the years.

5:00 They've even got prior to twenty fifteen archived. But scroll down through here. So like they have the state reports if you want to look at individual states, they actually have one for complaints seventeen years old or younger state reports. They have cryptocurrency state reports, and then there's the elder fraud state reports. This one for seventeen years old or younger actually is new. You can see in past years they've got the cryptocurrency and the elder fraud. Just scroll all the way down and you can see the reports that you can go back. You can look at different states, you can look at the different years and see what the trends are. But we're going to go to the twenty twenty five. Now this is the very first page.

5:48 What it looks like. And actually I'm gonna make this bigger, so hopefully you guys can see this a little bit better. Let me see. I don't want to cut anything off. There we go, so you got your table of contents right if you just want to go down and look at anything. And this is the whole report here. So they've got a quarter of a century of cybercrime reporting. So twenty fifth anniversary, they've got a letter here talks about what they've been doing.

6:29 Losses reported to the IC three and twenty twenty five continue to climb, surpassing the twenty billion dollar mark. Investment related fraud was once again the largest component of these losses. I think artificial intelligence has a lot to do with this. It's you can use artificial intelligence to make fake investment statements in graphs and showing that you're making all this money. Business email compromise and tech support scams is still one of the top three. And tech support scams have been around for a very long time. But scammers keep changing their techniques, refining it, adding new things, taking things out, changing, They just do a whole bunch of different things to keep you on your toes.

7:18 So here's some complaints. By year, and again, this is all the This is all ages back in twenty eleven or two thousand and one. And look at how this graph's gone all the way up in twenty twenty five. The losses. There you go. We started down in two thousand and one with seventeen point eight million and we're all the way up to almost twenty one billion dollars. Look at that. It stayed kind of even from two thousand and one to twenty and fifteen, went up just a little bit, and then look at it just skyrocket from twenty fifteen to twenty twenty five in the last ten years. So then they talk about their role in combat cybercrime, how they collect data, they analyze it, they refer it out, they coordinate, you know, of threat response efforts with internal and external partners and public awareness. And part of this is there is their public awareness. They also do those public service announcements, which are awesome. As they start to see upticks and reoccurring threats out there, they're going to put these public service announcements out. You can always go there thatic three dot gov, go under public information and the public service announcements are right there.

8:35 This is a graph again by age group. You can see it in the highlights here at the top are all age groups, and it's going to show the total losses and it's a twenty six percent increase in losses from twenty twenty four. And I want you to keep that in mind, and that twenty six percent increase in losses from twenty twenty four from all age groups cumulative. And then we get into the sixty plus and you see the percentage increase there way above twenty six percent. So you can look at this here, sixty plus had almost seven seven point seventy five billion in losses, and then look at the fifty to fifty nine it's like half of that, and then it.

9:22 Goes down even further the forty to forty nine. But look here the losses went down, but the number of complainants went up. In the forty to forty nine year old it's one hundred. And sixty seven thousand. Look at the fifty to fifty nine the losses went up and the complaints the complainants went down. So it's interesting that they're able to start getting more money out of less amount of people. The thirty to thirty nine year olds, that comes in second in number of complaints, but look at the amount of the losses one point seven billion compared to seven point seven than five billion. So yes, the thirty to thirty nine year olds, there's a lot of victims in that age group, but they are not losing anywhere near the amount of money that the sixty plus year old population is losing.

10:17 And again this is for all of them. The crime types, so the biggest one for by victims is the fishing and the spoofing, and the fishing is the emails where they send you fake emails. They might send you to a fake website. They might have a real phone number, but. You're going to they're impersonating a company. The extortion, investment, personal data breach, and then it goes down. You can see tech customer support government impersonation. And let's see here by losses.

11:00 Investment again is number one, business email compromise, and the tech support those are the top three. Personal data breach falls in there over a billion dollars. And then here's this confidence romance scam. And I think we're going to see this confidence romance scam happening a lot in the sixty year old and older. So here they just highlight where criminals use the Internet or other technology to commit fraudulent activities. You can see the sixty plus is way out here at twenty four just over twenty four percent, where everybody else is down in the teens. There were sixteen percent of them that didn't report in age. There, here's the top five cyber enabled fraud. Extortion is one, the top investment, non payment, non delivery, tech support again, tech supports always up there. That's by number of victims.

12:02 Here's by the amount of losses. Look at the investment losses eight point six billion dollars. And now we're over at business email compromise, which is under half of that, just over three billion dollars. The investment scam is huge because you're getting involved in fake investments. But yet the statements that you think are real are showing that you're making money, and so who doesn't want to continue to put more money into an investment where they're making money and it could end up wiping out your total life savings.

12:49 This is kind of the same here, we're going to get down to some trends, not going to get into. That sextortion thing. See look at this is. Interesting here, only seven percent. So they talk about the cyber threats, hijacked networks, cryptocurrency heist, corporate espionage, or a few examples of the spiraling cyber threat. We talk about this every year. The adversaries become savvier, increasingly callous, attacking power gride, shutting down hospitals, stoking geopolitical tensions, all kinds of stuff. And you know, look here, thirty six percent was the ransomware, thirty nine was data breach. Those are the top two botnets. Those are seven percent. It'll be interesting to see if that one grows over the years.

13:42 The simswap here the ten percent where they actually take over your mobile phone. They trick the carrier into switching. And someone had mentioned to me in a recent presentation that one of the larger cell phone carriers was moving towards not having any SIM cards at all, and I haven't had the chance. To go look that up. So if if. Anybody knows more about that, or if a lot of the cell phone carriers are moving towards not having an actual SIM card and I don't know if this is the reason because of the simswap scam, let me know, you know, shoot me an email and let me know what you know about this, or maybe show me some sources where I can go.

14:33 Look this up. But I am going to be looking into that. That's cryptocurrency, that's critical infrastructure. So this talks about the different Let's see what that's called. Ransomware. I'm going to go all the way down to the I think it's on like page forty or forty four.

15:15 Let's see here to get to here's the elder fraud report, the sixty year old and older. Remember I said when we looked. At all age groups, it was I believe it set a twenty six percent increase in losses from twenty twenty four to twenty twenty five. Look at what it is here, fifty nine percent increase from twenty twenty four for the sixty year old and older population. The number of victims was a thirty seven percent increase. Here's the graph, and we actually have this graph in our presentations. Again, this goes back to twenty eighteen to nineteen. It kind of stayed pretty even through twenty twenty twenty one, it went up a little bit. Then it starts to creep in twenty twenty two, twenty three, it stays similar to twenty two, but now look at twenty four, it creeps up, and now twenty five we're almost up to eight billion dollars in reported losses. And this age group has a tendency to maybe only about fifteen to twenty percent are going to actually report. So multiply that out by five by six, you know, forty billion, fifty billion, seventy five billion, pick a number. But it's just outrageous as to the actual amount of losses. So let's look at the crime and this is by complaints. So the number one complaint was

16:47 this fishing and spoofing. And we talked about phishing, right, it's the tricking you via email. They could trick you via text message, they can trick you, you know, via voicemail, all that stuff, but spoofing they can we know they've been able to spoof the names for a long time, but you know, in the last I don't know, five years on average, maybe they're also able to spoof phone numbers. So and you might think, well, you know, well we had let me step back here. They had silence on known callers as an option in your phone settings on both Android and Apple phones, where it would silence calls based on the phone number. If the phone number was not in your contacts, it would silence the calls and send them to voicemail or put the text in a totally different folder. Now they've updated it and it's screen unknown callers, and it gives you the option you can never screen. You could have it ask a question before it rings through to get an answer to screen the call, or you can say silence. But let's think about it.

18:09 If someone was in your phone in the background, say you accidentally clicked on a link and it put malware on your mobile phone, and now that scammer is in the background to your phone, or let's say the whole simswap scam. They were able to get your carrier to switch your account over under their control, and now they can see everything that you're doing. Are they going to have access to your contacts? Absolutely, they will, and now they can make the that's a more targeted attack where they now have the phone number and the name to make it all the more legitimate. But let's talk about apps.

18:51 So I think most people have downloaded at least one app, if not multiple apps on their phone. Well, when you go to down load one and please only download from the verified app stores like the Google Play Store, the App Store, a lot of times it'll ask you the app wants certain permissions for you to grant them certain permissions. They want to know your contexts, they want to know your location. Well, does the app really need to have this information to work most of the time. No, they just want this information and they could use it for more targeted advertising. They could take this data and sell it to other marketing advertising companies for targeted advertising based on what you're doing your location.

19:46 They could use it. If you've granted access to your context, now maybe they could start target marketing to your contact list. But you have to be careful, don't just ignore those and just keep hitting yes and yes, you're going to grant that stuff just so you can get the app downloaded. And if you're not sure what permissions you've granted those apps that you've already downloaded, go into your settings and then go to apps and it's going to have you can look at each individual app, open it up and it'll show you what permissions that you've granted, and then you can take away the permissions that are not absolutely necessary.

20:27 And if you come across an app that it says it's absolutely necessary that they have to know your contacts, or your location or something else that you might not want to share, just to ask yourself the question, am I willing to take that risk of sharing this information in order to have this app? And that's a decision that you'll have to make, so just be careful with the spoofing. Tech Support is the next one that we know, customer support. Tech support they keep changing their techniques to keep us on our TOES investment. We talked about that as well, the personal data greach the confidence romance and you can go all the way down through this list cryptocurrency descriptors it plays and now they've added AI related So out of these number of complaints, there were over three thousand of them that had an AI component to it.

21:31 And the crimes against children. Some of these older adults are getting scammed using descriptors of crimes against children. But cryptocurrency is still a big one. There are a lot. Of cryptocurrency atm machines in the state of Arizona. Some states have actually and I think the most recent one I read about that have banned all cryptocurrency machines in the state was Minnesota, if I'm not mistaken, and there's a few other states that have banned them as well. Arizona has not banned them, but they've put a new law that went into effect at the end of last September that has a lot more safeguards with the cryptocurrency machines that the owner operators have to adhere to.

22:17 You know, like, yes, there might. Be physical warning signs on the machines, but now as you go through your transaction, you've actually got to agree that you understand these warnings that it could be a scam and all of this stuff. And that's great, but. In my opinion, and I've never used one of these machines, so this is just in my opinion that if somebody is still in the emotional state where they're at one of those machines feeding it one hundred dollars bills or you know, twenty dollars bills, whatever it is, that they're still emotional, and are they really reading those warning signs and understanding them or are they just clicking through to get the end result, which is to get the transaction done so they can fix whatever problem.

23:08 That they believe has occurred. But then there's also that the account you're sending the money to, there has to be that account number on your receipt. You get the receipt, and if you realize within thirty days and report it that you were a victim of a scam using one of those machines, you have your receipt, it's been under thirty days since that transaction happened, and you go file a report with local law enforcement. In the Attorney General. There's a chance that you can get your money refunded. They've also put limits on first time users and reoccurring users on how much you can put in at any given time, so just bear that in mind. You can just google Arizona cryptocurrency KIOSK law. I don't remember the number of the law, but it'll come up and you'll be able to see the actual every single detail of that new law that went into effect. These are with losses. Now, these are the sixty year old and older losses. As they said in the initial letter at the beginning of this report, investment scam is the number one. Look at the difference in the losses three point five billion dollars, and the next one is the tech support which is just over a billion. And then there's that romance one again it's half a million. Artificial intelligence has a lot to do with this. Look at the amount of losses

24:39 AI related three hundred and fifty two thousand, the cryptocurrency over four billion. So you know with the romance scam, you know with the AI scammers, they are going to be a lot more apt to come on camera and want to do a video call with you because through those deep fakes, they can actually make themselves look like the p pictures they've been sending you. And with artificial intelligence software getting better and better and better, it's just going to be harder and harder to determine whether it's legitimate or not, which is why we must always, always always verify, do your research, do your due diligence, verify before you can even begin to trust that what you're looking at, what you're listening to, what you're reading is actually legitimate. Here's a three year comparison by victims from twenty twenty three to twenty twenty five. This looks like it's in alphabetical order, so you'd have to scroll down through all of it.

25:48 Again. Fishing and spoofing started out in twenty twenty three, kind of low, and then how it's crept up. Same thing with. Confidence romance and then and the investment is right here that one crept up as well. Simswap is really small, but it's gaining traction and I'm hoping we can combat this, but we might end up seeing this simswap go up in future years. The tech support it continues to go up, so the AI related they haven't. They didn't capture that in twenty twenty three or twenty twenty four, but if they had captured it, I think we would see it the same trend that it's going up. You can see the cryptocurrency started out at around seventeen thousand and now it's all the way up to forty two thousand. Here's by losses. Again, this is alphabetical order, so you'd have to scroll down. But look at the investment it was under fifty percent of what it is now just two years ago. And then the romance it was a little bit more than fifty percent of what it is now.

26:55 But the tech support it's a little under fifty percent as well. But that investment scam is the one that is really really on a rapid increase here. So now let's break it down by states. And I had it in my head before I got to this screen, and I didn't think about it until after I already got there. I was going to say, who wants to bet California, Florida, and Texas are in the top three. Sure enough, they are. I had already seen it they are, so Unfortunately they usually usually are. Arizona is always in the top ten. Actually we're number four in a number of complaints. Arizona in Florida has a huge retired population, So yes, we have more people that are sixty years old and older, and in Florida and Arizona we get a lot of that generation that comes to our states for part of the year, and so if they become a victim of a crime while they're living here, they're going to report it as Arizona or Florida. California just has a huge population to begin with.

28:00 In Texas has a huge population as well, and they also I'm not as familiar with Texas if they have a huge retired population. But you can see where your state falls into this. And actually, if you wanted to go look at those prior years, you know, I like to look at it from like twenty twenty to twenty twenty five, and in Arizona it's it's gone crazy and we're number we're number five this year with the number of losses three hundred and forty three million. Just in twenty twenty four it was one hundred and ninety one million. That's that at the beginning that graph that we showed you.

28:44 Let me get back to it right here. Fifty nine percent it went up from twenty twenty four. That's in all states, but in Arizona it went up more. One hundred and ninety one million. To could do a quick calculation to three hundred and fifty three I thought I could do it quicker. Here eighty five percent, eighty to eighty five percent increase in the number of losses in just one year. Let me get back over here here it is three hundred and forty almost three hundred and forty four million.

29:32 So and that's just in one year. Now. This is my opinion that I think, you know, we've been out there doing our workshops and our presentations for let's see here since the beginning of twenty twenty two, so this is the fourth year that we've been doing them. So I, and part of what we do is we talk about why it's good to report, you know, so it helps law enforcement find the people. It adds pieces to their puzzle. Even if you didn't lose money, your experience could add pieces to their puzzle, and it helps them gather evidence to hopefully prosecute these people and put them away for a long time. But so I, in my opinion, I think more of this population is starting to actually report. But I think a bigger part of it is artificial intelligence.

30:30 I think that is really really. Making well, it is making it difficult to decipher what's legitimate versus a scam. But this is technology that you know, the sixty year old and older population, you're going to get some of them that know very little about technology. You get some of them that know some of us that know a lot about technology. I'm not one that knows a lot about technology, but I'm in the middle, and you're going to get a wide variety of us that are all throughout that continuum. And so now you're adding this artificial intelligence to it and then having to understand that's a big undertaking trying to understand how artificial intelligence works in all of that, and so it makes things all the more believable when it really is actually a scam. So I think that has an even bigger role in it. But you know, do your comparison. So, like I said a few minutes ago, I've you know, Arizona's losses in twenty twenty one or twenty twenty that was reported was twenty seven million, and now in twenty twenty five it's up to three hundred and forty three million.

31:40 So that's that increase three hundred and sixteen million dollars. That percentage is over one thousand, over eleven hundred percent increase from twenty twenty to twenty twenty five. That is all that is just devastating. They also do cryptocurrency. This is something new that they've been putting in the last few years. But you can look at cryptocurrency losses by age range. Look at this green horizontal bar. Here, the sixty plus population that reported losing money via crypto four point four billion dollars, and this is all of the United States. The next population down, the fifty to fifty nine, was just over two billion. That's fifty percent less, and then you keep going down. Okay, now look at this what I talked about earlier. When we looked at the graph, the thirty to thirty nine year old, they're up at almost twenty eight thousand victims. The forty to forty nine was just about thirty so they're pretty close. But if you look at the amount of losses for the thirty and five forty year olds, the thirty year old's eight hundred and sixty one million, the forty year olds one point five billion, and then look at the jump to

33:14 the sixty plus year old. So it's just there's a there's a lot of victims in the younger age groups, but they don't lose the same amount of money. So let's look at some of these trends. The investment scam, again, we've talked about that, it was the number one, but cryptocurrency investment scams the sixty plus, the two point seven billion dollars, but they it's been a forty with all populations, it's been a forty eight percent increase in the number of victims and a twenty five percent increase in the number of losses since twenty twenty four.

34:02 Now they. They have new Scam Center Strikeforce that battles the Southeast Asian crypto investment fraud that target Americans. Cryptocurrency ATMs in Kiosk. If you want to know where these are at in any state in the United States, you just need to look up like a map of cryptocurrency ATMs in Arizona or Maricopa County, or Pennsylvania. Or Nevada, or you know. Just put your state, put your county in and you're going to get a map as to where these things are at. And if you look at it statewide or county wise, you're going to get an idea as to how many of these are out there. The scammers know where they are at, and they stay on the phone and they direct people to these machines and stay on the phone with them while they are putting the money in the machine. Someone sent me a video in the last week or two about and I believe it was part of a video from a policeman's body cam.

35:11 If I'm not. Mistaken or else, it was the person that was working at I don't know if it was a gas station or wherever it was who had called the cops because they saw this older lady putting cash into a cryptocurrency atm and I don't remember what state it was in, but the policeman went over. Well, the worker had said, she's already put. In like it was over two hundred thousand dollars, and I'm just sitting there like, oh my gosh. Wow. They had to have been there for a long time. And the policeman went up to talk to the lady, and you know, she was like, no, no, I need to do this and I need to fix whatever problem it was.

35:51 And he said, well, can I have your phone? I want to talk to I think she said it was her bank maybe was on the phone with her, you know, And I talk to them and and I'm surprised the scammer didn't just hang up, but he was trying to convince the policeman that this was all legitimate and stuff. But they were able to stop her. She had already lost over two hundred thousand dollars. It's just devastating. So, yes, Arizona is making it harder. They're making I shouldn't. They're making more of a making it more of a deterrent because of all the additional steps the. Owner operators have to go through. And then it's going to be interesting to see over the next year how many people are able to get their money refunded and what impact that has on these machines, if we're going to start seeing them go away, or because the owner operators aren't, you know, they're having to refund a lot of money, or is the state seeing that maybe maybe we need to look at banning these all together like some of these other states are doing.

36:55 So we'll have to keep keep an eye out on that. Recovery scams, Fictitious law firms targeting cryptocurrency scam victims. You know, scammers impersonate anybody. They can impersonate a law firm, whether it's an actual legitimate law firm that they're impersonating, or they just make up a fake law firm saying that if you pay us money, we can get your your. Funds recovered. That's a cryptocurrency nexus. So this is cryptocurrent.

37:37 Oh, the cryptocurrency complaints by state, we dropped a few. We were number fourign complaints and we dropped a six when it comes to cryptocurrency, New York and Pennsylvania moved above us. So I have not checked to see how many cryptocurrency machines are in New York or Pennsylvania. I have a feeling there's a lot in New York, not so sure about Pennsylvania. But California, Texas, and Florida are still in the top three there and those losses with the cryptocurrency were number seven. New Jersey edged out and went in number six there. But we're still in the top ten in Arizona. And this is something that we still need to be very vigilant on. If anybody asks you to put money into a cryptocurrency ATM machine, it is a scam.

38:33 It is a scam. And then they explain what a bunch of these definitions and descriptors are if you want to read them to get more information on them. But that's it for the report. As I said in the show description that those numbers are not good. Let me stop sharing my So it was a police body cam at the gas station, and it was that video I told you about in it, they were saying they were bank security. So just know if anybody wants is if anybody is asking you about to put money into a cryptocurrency ATM machine, it is a scam.

39:28 It is absolutely a scam. Those crypto in my understanding, those cryptocurrency ATM machines were really put out there for people that didn't have any banking relationship and so it was a way for them to be able to invest in crypto. And again this is just my opinion. If someone does not have a relationship with a bank, meaning they only go in there to get a money order and they give cash, or they go in there to cash a paycheck and they just keep their money at home, however they ca keep it that if they don't have a relationship with a bank, I don't think they're investing in the stock market, so therefore I don't think they want to invest in cryptocurrency.

40:09 Again, my opinion, maybe I'm wrong. If you know, if you're somebody or you know of somebody that deals just in cash but they invest in crypto, let me know, because maybe maybe I'm out in left field with my opinion. But that's again that's just my opinion. So anyways, I really want this to hit home. I'm not trying to scare you guys, but I want you to understand just how big of a problem this is, and it continues to be a big problem, and we really really need to continue this fight against these scams, and the education and the awareness plays a huge role in this. Our target market is the older adults. As you saw in those statistics, they lose the most money by far and have the most victims.

41:00 The world is so much different. Today than when we grew up. We had a lot of very good natured, kind hearted habits we formed and when you put that all with the technology right world that we live in today, and that the scammers are using all of that against us, we're trying to make We're trying to cut into that what the scammers are doing. There's a lot of people out there that are making new technology and new apps to help out, and technology does play a role in this, and investigating and finding the people and prosecuting them plays a role in this as well. Everybody plays a role, but I firmly believe the education and the awareness play a huge role because human behavior has a lot to do with scams and emotions and so if we can get you to understand it, be more aware of it, make your healthy skepticism, your scam prevention habits going to be more app to think scam Okay, what do I need to do?

42:04 Not panic? Follow through with the steps. And make an informed, educated decision whether this is legitimate or a scam. So with that, I will see you back here next week, and don't forget to visit our website, click subscribe on our YouTube channel, and tune in next week for another episode. Thank you. Well, that's all the knowledge for this episode. Tune in every Tuesday at eight am Pacific time on KFOURHD Radio at KFOURHD dot com as Joyce explores a variety of knowledge. So you have the power to make scam protection your healthy habit. And until then, feel free to reach out to Joyce and let's talk about scams.