Dec. 31, 2025
Too Smart to Be Scammed: A Cybersecurity Checklist for Seniors & Those Who Love Them
Scams, hacks, & identity theft hit seniors harder than ever—but you are not powerless. In this episode, break down common tactics targeting older adults & translate “tech talk” into simple language. Go through a Senior Cyber Safety Checklist designed specifically for retirees, widows, & those who didn’t grow up online. From phone & email red flags to safer banking habits & a “don’t click alone” plan, leave with practical steps. Share this one with someone who could use a little peace of mind.
Ask Good Questions is broadcast live Wednesdays at 6PM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Ask Good Questions is viewed on Talk 4 TV (www.talk4tv.com).
Ask Good Questions 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.
Become a supporter of this podcast: https://www.spreaker.com/podcast/ask-good-questions--6441735/support.
WEBVTT
1
00:00:00.280 --> 00:00:02.560
The topics and opinions expressed in the following show are
2
00:00:02.560 --> 00:00:04.200
solely those of the hosts and their guests and not
3
00:00:04.240 --> 00:00:07.160
those of W FOURCY Radio. It's employees are affiliates. We
4
00:00:07.200 --> 00:00:10.279
make no recommendations or endorsements for radio show programs, services,
5
00:00:10.320 --> 00:00:12.640
or products mentioned on air or on our web. No
6
00:00:12.759 --> 00:00:15.960
liability explicitor implies shall be extended to W FOURCY Radio
7
00:00:16.000 --> 00:00:18.760
or its employees are affiliates. Any questions or comments should
8
00:00:18.760 --> 00:00:21.120
be directed to those show hosts. Thank you for choosing
9
00:00:21.239 --> 00:00:23.559
W FOURCY Radio.
10
00:00:29.280 --> 00:00:34.079
Welcome to to Ask Good Questions Podcasts, broadcasting live every Wednesday,
11
00:00:34.079 --> 00:00:37.920
six pm Eastern Time on W four CY Radio at
12
00:00:38.119 --> 00:00:41.600
W four cy dot com. This week and every week,
13
00:00:41.640 --> 00:00:45.240
we will reach for a higher purpose in money and life,
14
00:00:45.560 --> 00:00:48.880
as well as a focus on health and wellnent. Now,
15
00:00:49.399 --> 00:00:54.119
let's join your host, Anita bell Anderson as together we
16
00:00:54.200 --> 00:00:57.399
start with Asking Good Questions.
17
00:01:01.320 --> 00:01:06.519
Hey, welcome to the Ask Good Questions podcast. This is
18
00:01:06.599 --> 00:01:09.760
your host, Benita bell Anderson, and I'm coming at you
19
00:01:09.959 --> 00:01:15.560
in cognito today because today we are going to talk
20
00:01:15.560 --> 00:01:21.760
about something that touches almost everyone, and that is staying
21
00:01:22.120 --> 00:01:29.400
safe from scams from identity from online trickery and so
22
00:01:29.719 --> 00:01:33.959
especially for seniors and the people who love them. So
23
00:01:34.400 --> 00:01:37.879
I want you to think of so I'll want you know,
24
00:01:37.920 --> 00:01:39.480
I don't want you to be scared of me, so
25
00:01:39.480 --> 00:01:42.239
I'll take the sunglasses off. But I want you to
26
00:01:42.319 --> 00:01:46.840
think of me as like being in a jail cell.
27
00:01:47.599 --> 00:01:51.120
And I want you to think about how you're going
28
00:01:51.200 --> 00:01:54.519
to be too smart for those scammers and those people
29
00:01:54.560 --> 00:01:56.719
that are trying to trick you. So I want to
30
00:01:56.760 --> 00:02:00.760
start with a small with a short story. Someone I
31
00:02:00.840 --> 00:02:04.319
know got a phone call that found it exactly like
32
00:02:04.400 --> 00:02:08.759
their make right. The caller knew their name, they mentioned
33
00:02:08.800 --> 00:02:13.439
their bank and said your account has been compromised, please
34
00:02:13.479 --> 00:02:17.360
stay on the line, and they sounded urgent, very official,
35
00:02:18.000 --> 00:02:22.479
and within minutes this person was giving out information they
36
00:02:22.560 --> 00:02:26.000
normally never would have shared. So by the time they
37
00:02:26.080 --> 00:02:30.800
realized something felled off, it was too late. So here's
38
00:02:30.879 --> 00:02:36.159
the thing. These scams are not happening because people are
39
00:02:36.400 --> 00:02:42.479
dumb or careless or something like that. They're happening because
40
00:02:42.680 --> 00:02:48.759
scammers are getting really, really good at pretending to be trustworthy.
41
00:02:49.479 --> 00:02:53.159
So today's episode has one clear goal. I want you
42
00:02:53.439 --> 00:02:58.960
to go into the future be more confident and more prepared.
43
00:02:59.360 --> 00:03:03.159
And so I've prepared a checklist for you, and we're
44
00:03:03.199 --> 00:03:06.520
going to walk through what I call the Senior Cyber
45
00:03:06.759 --> 00:03:10.960
Safety Checklist, and you can use it for yourself with
46
00:03:11.039 --> 00:03:14.599
so you know, maybe your spouse or your partner, parents
47
00:03:14.639 --> 00:03:18.000
or grandparents, or with any senior you care about. Okay,
48
00:03:18.800 --> 00:03:21.599
So you don't need to be tech savvy to be
49
00:03:21.759 --> 00:03:24.719
following along. And if you can make a phone call,
50
00:03:25.159 --> 00:03:27.599
if you can read an email, if you can write
51
00:03:27.599 --> 00:03:30.639
a few notes, then you can absolutely do this. And
52
00:03:30.719 --> 00:03:33.080
good news, you don't have to write down the single
53
00:03:33.120 --> 00:03:36.919
thing because I put this into a one page Senior
54
00:03:36.960 --> 00:03:41.439
Cyber Safety checklist for you, and you can keep that
55
00:03:41.599 --> 00:03:44.240
by your computer or your phone. You'll be able to
56
00:03:44.319 --> 00:03:46.960
I'm going to give you information on where to find that. Okay,
57
00:03:47.960 --> 00:03:51.680
so let's talk. Let's talk. I've got some slides for you,
58
00:03:54.000 --> 00:04:00.840
so let's see. Let's pull up the slides. NIW So
59
00:04:01.840 --> 00:04:05.919
this is one email address. This is actually my website
60
00:04:05.960 --> 00:04:09.599
is Benitabell Anderson dot com. And if you go to
61
00:04:10.520 --> 00:04:14.439
podcast Guests Downloads then you can see this and that
62
00:04:14.639 --> 00:04:18.199
is actual address where you go. That's W FOURCY is
63
00:04:18.240 --> 00:04:23.399
the radio network that this is on. So you can
64
00:04:23.439 --> 00:04:25.879
go and find that. I will also mention it again
65
00:04:25.959 --> 00:04:30.000
at the end of these slides. But let's talk about
66
00:04:30.120 --> 00:04:36.560
why are seniors targeted. First, you know, seniors are typically
67
00:04:36.920 --> 00:04:40.480
trusting and they're politey. You were raised to answer the
68
00:04:40.480 --> 00:04:45.199
phone right, to listen when somebody sounds official, to be respectful,
69
00:04:45.759 --> 00:04:49.160
and scammers know this and they like to take advantage.
70
00:04:49.720 --> 00:04:55.079
So second, what do seniors have. They have savings, they
71
00:04:55.199 --> 00:05:01.079
have pensions, they have social security, they have retur accounts,
72
00:05:01.519 --> 00:05:06.720
and so from a criminal's perspective, that means there's money
73
00:05:07.120 --> 00:05:14.519
to go after, right. So Third, today's technology is changing
74
00:05:14.959 --> 00:05:19.399
so fast, isn't it. So many seniors didn't grow up
75
00:05:19.399 --> 00:05:23.519
with smartphones and online banking, so you've had to learn
76
00:05:23.560 --> 00:05:26.879
it as an adult, right, and that can sometimes feel
77
00:05:26.920 --> 00:05:31.040
confusing or intimidating. So if you've ever fallen for a
78
00:05:31.160 --> 00:05:35.399
scam or almost fallen for one, please hear this. It
79
00:05:35.480 --> 00:05:40.959
is not because you are stupid. These scammers are professionals.
80
00:05:41.480 --> 00:05:45.680
They practice their scripts. They use fear, they use urgency,
81
00:05:45.839 --> 00:05:50.199
they use emotion on purpose. And the good news is
82
00:05:50.240 --> 00:05:55.800
that you can build some very simple habits that make
83
00:05:55.920 --> 00:05:59.240
you much harder to scam. So let's go through our
84
00:05:59.279 --> 00:06:04.240
senior site safety checklist again. You can download it for
85
00:06:04.319 --> 00:06:08.720
yourself here at this web address. I'll give you it
86
00:06:08.759 --> 00:06:11.600
again at the end of these slides, or you can
87
00:06:11.680 --> 00:06:14.639
just listen now and then go later and download it.
88
00:06:14.720 --> 00:06:19.160
All right, So let's start with the biggest trouble spot,
89
00:06:19.680 --> 00:06:27.519
right The biggest treble stock spot is the phone. So
90
00:06:28.199 --> 00:06:31.360
there's a lot of scams that start with a phone
91
00:06:31.399 --> 00:06:34.439
call or an email, and if we can get better
92
00:06:34.480 --> 00:06:38.160
at spotting the red flags there, we can prevent a
93
00:06:38.480 --> 00:06:43.319
lot of damage. Here's the key habits. Hang up on
94
00:06:43.480 --> 00:06:47.959
calls that are urgent, threatening, or demand payment right now.
95
00:06:48.879 --> 00:06:51.439
If someone calls and says you're going to be arrested
96
00:06:51.639 --> 00:06:54.199
or your account will be closed in the next ten minutes,
97
00:06:54.680 --> 00:06:57.720
that's a huge red flag. Nobody's doing that to you.
98
00:06:58.560 --> 00:07:03.399
Real organizations do not threaten like that over the phone.
99
00:07:04.040 --> 00:07:08.720
So never ever, ever give up your Social Security number,
100
00:07:09.480 --> 00:07:13.480
bank information, or passwords over the phone or email. Is
101
00:07:13.560 --> 00:07:17.560
someone who reached out to you. If you called the
102
00:07:17.639 --> 00:07:21.240
number on the back of your card, that's different. But
103
00:07:22.399 --> 00:07:26.439
if they called you, don't give that out that information.
104
00:07:27.519 --> 00:07:33.680
Ignore the links in unexpected texts or emails from banks
105
00:07:33.800 --> 00:07:37.839
the irs. So security or delivery companies. They can copy
106
00:07:37.879 --> 00:07:42.600
and paste logos. It can look just like like the
107
00:07:42.720 --> 00:07:45.079
IRS or Social Security, or it can just it can
108
00:07:45.160 --> 00:07:48.680
look like anything because they can create it to look
109
00:07:48.759 --> 00:07:53.160
like that. Don't click on any links that you are
110
00:07:53.439 --> 00:07:56.839
not aware of having it come in to you. Go
111
00:07:57.040 --> 00:08:00.600
directly to the official website or use the app already have.
112
00:08:01.160 --> 00:08:05.519
If it's a bank, you call your bank and you say, hey,
113
00:08:06.800 --> 00:08:09.480
is my account in danger? And of course they're going
114
00:08:09.560 --> 00:08:12.839
to say no, your account's no, your account's fine. So
115
00:08:14.240 --> 00:08:18.680
treatment spellings, this is a big one to treatment spellings
116
00:08:18.800 --> 00:08:22.319
or oddwording or unknown senders as suspicious.
117
00:08:22.399 --> 00:08:27.800
Right, If the email sounds a little of like strange grammar,
118
00:08:28.240 --> 00:08:32.440
weird phrases, or it just doesn't feel right, then delete
119
00:08:32.480 --> 00:08:35.919
it or call a trusted person to look at it
120
00:08:36.200 --> 00:08:41.360
with you, right, and if in doubt, call again call
121
00:08:41.440 --> 00:08:44.759
the company back using a phone number that you trust.
122
00:08:45.000 --> 00:08:48.480
Right. That means the number on your bank card or
123
00:08:48.519 --> 00:08:52.480
on your statement or on the official website. Don't use
124
00:08:52.519 --> 00:08:55.720
the number the caller sends you, because that's going to
125
00:08:55.759 --> 00:08:59.840
go to their call summer, etc. Where they're impersonating people.
126
00:09:00.919 --> 00:09:05.519
If you did just this section, if you only changed
127
00:09:05.600 --> 00:09:09.919
how you handled phone calls and emails, you would already
128
00:09:10.480 --> 00:09:18.559
be much much safer. Okay. Number two is passwords and logins.
129
00:09:19.360 --> 00:09:24.519
I know nobody loves passwords, but a few small improvements
130
00:09:24.559 --> 00:09:30.399
here make a huge difference. All right, So the checklist
131
00:09:30.480 --> 00:09:37.320
says use longer pathwords or passphrazes instead of something like
132
00:09:37.440 --> 00:09:40.919
fluffy one, two three, think in terms of three or
133
00:09:41.000 --> 00:09:47.840
four random words, for example, purple, orange, garden, sun. Longer
134
00:09:47.960 --> 00:09:50.799
is better. So there's there's ways you know you can
135
00:09:50.879 --> 00:09:54.559
dream up things or else. There's a website called dice
136
00:09:54.600 --> 00:09:57.720
were that you can go and that place will dream
137
00:09:57.840 --> 00:10:03.320
up words for you. But I've been negligent of this,
138
00:10:03.480 --> 00:10:06.159
and it's something that I have changed. Avoid using the
139
00:10:06.240 --> 00:10:11.039
same password for email, banking and shopping websites. I now
140
00:10:11.120 --> 00:10:15.679
have an email that I created just for financial websites,
141
00:10:15.759 --> 00:10:17.879
just for the places where I log in, and it's
142
00:10:18.000 --> 00:10:21.840
different from my other website with other emails that I
143
00:10:21.960 --> 00:10:24.840
use for you know, a lot of other things. So
144
00:10:25.080 --> 00:10:29.159
turn on this everywhere everywhere you go, say yes to
145
00:10:29.240 --> 00:10:34.879
turning on two step verification. It's also called two factor authentication,
146
00:10:35.639 --> 00:10:39.759
and this is usually for your email for your bank accounts,
147
00:10:39.919 --> 00:10:43.879
and that's when you log in and they send you
148
00:10:43.960 --> 00:10:50.559
a code by text or another or through an app,
149
00:10:51.080 --> 00:10:53.120
then it's an extra step, but it's one of the
150
00:10:53.120 --> 00:10:55.559
best protections you can have. Usually have to put some
151
00:10:55.639 --> 00:11:01.159
numbers in to identicate that it's you, and also right
152
00:11:01.320 --> 00:11:06.279
passwords in a private, safe place or use a trusted
153
00:11:06.360 --> 00:11:10.399
password manager. There's several out there. There's there's one called
154
00:11:11.039 --> 00:11:14.399
one Password, there's there's there's a bunch of them now
155
00:11:15.120 --> 00:11:19.000
and so actually in about a month I'm going to
156
00:11:19.039 --> 00:11:23.039
be having a cybersecurity expert on we will talk more
157
00:11:23.039 --> 00:11:27.000
in depth about the different password manager companies and websites
158
00:11:27.000 --> 00:11:31.240
that are out there. But please consider doing that ideally
159
00:11:31.879 --> 00:11:36.720
set up by someone you trust. Okay. For some the seniors,
160
00:11:37.960 --> 00:11:41.360
a small paper notebook kept in a safe place is
161
00:11:41.440 --> 00:11:46.639
easier than trying to memorize everything, so that's okay, Just
162
00:11:46.799 --> 00:11:50.279
don't leave it out in public view. And also that
163
00:11:50.960 --> 00:11:54.559
little notebook might be important, you know, for I know,
164
00:11:54.600 --> 00:11:57.320
we don't want to think about it, but someday when
165
00:11:57.360 --> 00:12:02.120
you pass away, that notebook might be goal for your
166
00:12:02.159 --> 00:12:06.080
executor of your account getting into websites to take care
167
00:12:06.120 --> 00:12:10.960
of business. Okay, that's just just saying. So if passwords
168
00:12:11.000 --> 00:12:16.639
feel overwhelming, Start with just one thing. Pick your most
169
00:12:16.720 --> 00:12:20.639
important account, maybe it's your email, or maybe it's your
170
00:12:20.679 --> 00:12:26.519
main bank, and upgrade that password first. Okay. Another thing
171
00:12:26.559 --> 00:12:31.039
that I do is I change on a regular I
172
00:12:31.120 --> 00:12:34.360
have a reminder to myself on the first day of
173
00:12:34.399 --> 00:12:38.519
every month to change passwords. I don't change everything, but
174
00:12:38.639 --> 00:12:41.320
I change those things that I use a lot. And
175
00:12:41.519 --> 00:12:45.519
so that's also an idea, is just to regularly change
176
00:12:45.519 --> 00:12:55.559
your passwords. Okay. Next on the list devices that can
177
00:12:55.600 --> 00:12:59.799
be all kinds of things. Can your laptop, your phones,
178
00:13:00.080 --> 00:13:06.960
your your tablets, your it could be your your wrist rat,
179
00:13:07.159 --> 00:13:13.120
you know, your watch. So think of this as the
180
00:13:13.159 --> 00:13:18.120
locks on the doors in the windows of your digital house. Okay,
181
00:13:18.360 --> 00:13:21.039
and so first up on the list is turn on
182
00:13:21.240 --> 00:13:25.720
automatic updates for your computer and your phone and your tablet.
183
00:13:27.080 --> 00:13:31.120
Updates are are a lot of time security fixes, so
184
00:13:31.279 --> 00:13:36.080
letting them run automatically keeps you safer without you having
185
00:13:36.159 --> 00:13:39.759
to think about it. All right, and use a strong
186
00:13:39.879 --> 00:13:43.120
Wi Fi password at home, not the default from the
187
00:13:43.240 --> 00:13:46.399
sticker on the back of the router. If your Wi
188
00:13:46.399 --> 00:13:51.759
Fi password is something like admin or password, it's time
189
00:13:51.799 --> 00:13:55.799
to change it, okay. And a longer phrase is better.
190
00:13:56.799 --> 00:14:02.759
So avoid checking bank or credit card accounts on public
191
00:14:02.799 --> 00:14:06.159
Wi Fi. I'm talking, don't do that. Don't go to
192
00:14:06.200 --> 00:14:10.840
Starbucks and get your favorite drink and sit down and
193
00:14:11.559 --> 00:14:14.360
get into your bank account. Right, You're not going to
194
00:14:14.440 --> 00:14:21.279
do that. This also includes like cafes airports. Don't do
195
00:14:21.360 --> 00:14:25.799
it at the airport or malls. There have been sometimes
196
00:14:25.879 --> 00:14:28.799
when I have needed to work on something while I
197
00:14:28.840 --> 00:14:32.759
was waiting for a plane at an airport. In those cases,
198
00:14:32.840 --> 00:14:35.600
I never use the free Wi Fi at the airport.
199
00:14:35.639 --> 00:14:40.360
What I use is my mobile hotspot on my phone.
200
00:14:40.399 --> 00:14:44.960
Most people have a mobile hotspot, and so think about that.
201
00:14:45.360 --> 00:14:48.919
If you need to check something sensitive, use your cellular
202
00:14:49.120 --> 00:14:53.679
data or wait until you're back on your home network,
203
00:14:53.759 --> 00:14:59.080
all right, and then install reputable antivirus or security software.
204
00:15:00.120 --> 00:15:05.000
Actually have Norton, which is also what is linked up
205
00:15:05.039 --> 00:15:11.279
with LifeLock, and that actually just renewed for me and
206
00:15:11.559 --> 00:15:14.600
I have had Norton for a while and they're great.
207
00:15:14.879 --> 00:15:18.759
They're one of those good reputable anti virus or security software.
208
00:15:19.679 --> 00:15:23.279
And so you don't need to buy every product out there,
209
00:15:23.919 --> 00:15:27.039
just choose one recommended by someone you trust and keep
210
00:15:27.080 --> 00:15:32.720
it updated. Okay, so this section is often a great
211
00:15:32.759 --> 00:15:37.799
one to do with a son or a daughter, a grandchild,
212
00:15:37.919 --> 00:15:42.000
or a trusted friend who's comfortable with technology. You know,
213
00:15:42.080 --> 00:15:45.200
you might just ask them, can we spend twenty minutes
214
00:15:45.240 --> 00:15:48.679
making sure my devices are updated and my WiFi passport
215
00:15:48.799 --> 00:15:51.399
is strong? You know, maybe you make them some cookies
216
00:15:51.960 --> 00:15:54.399
or something like that, or maybe, you know, maybe if
217
00:15:54.399 --> 00:15:56.679
it's a big enough deal, maybe you make them dinner,
218
00:15:57.000 --> 00:15:59.919
have them come in for dinner, and do those things
219
00:16:00.000 --> 00:16:05.279
all right, Okay, So the next thing is banking. Back
220
00:16:05.320 --> 00:16:11.759
to banking and money monitoring. So even if you're really careful,
221
00:16:13.679 --> 00:16:17.559
it's smart to have some early warning systems in place,
222
00:16:18.039 --> 00:16:28.600
right okay. The checklist says set up bank alerts for withdrawals, transfers,
223
00:16:28.720 --> 00:16:32.720
or purchases over a certain dollar amount. For example, you
224
00:16:32.799 --> 00:16:37.120
might get a text if anything over two hundred dollars happens.
225
00:16:37.480 --> 00:16:42.480
That way, you see suspicious activity quickly. So one of
226
00:16:42.519 --> 00:16:45.320
the and I didn't years ago, I did not have
227
00:16:45.399 --> 00:16:49.840
this set up yet. I actually had a business credit
228
00:16:49.840 --> 00:16:52.679
card that I kept in my drawer at my office
229
00:16:53.279 --> 00:16:59.000
in downtown Spokane, Washington, and somehow, I have no idea
230
00:16:59.039 --> 00:17:01.799
how they got into it, but there were scammers that
231
00:17:01.919 --> 00:17:05.039
got into that but a whole bunch of one hundred
232
00:17:05.039 --> 00:17:10.920
dollars Walmart gift cards. And to this day, I have
233
00:17:10.960 --> 00:17:16.559
no idea how they did it, but I fortunately I
234
00:17:16.720 --> 00:17:20.119
double check. You know, every month, I would go through
235
00:17:20.119 --> 00:17:25.119
my bookkeeping and this pops up and I didn't even
236
00:17:25.200 --> 00:17:27.720
use that card, and I don't know how long. So
237
00:17:28.400 --> 00:17:33.200
if I would have had a make alert, I would
238
00:17:33.240 --> 00:17:38.000
have found out about that much sooner. So review your
1
00:00:00.280 --> 00:00:02.560
2
00:00:02.560 --> 00:00:04.200
3
00:00:04.240 --> 00:00:07.160
4
00:00:07.200 --> 00:00:10.279
5
00:00:10.320 --> 00:00:12.640
6
00:00:12.759 --> 00:00:15.960
7
00:00:16.000 --> 00:00:18.760
8
00:00:18.760 --> 00:00:21.120
9
00:00:21.239 --> 00:00:23.559
10
00:00:29.280 --> 00:00:34.079
11
00:00:34.079 --> 00:00:37.920
12
00:00:38.119 --> 00:00:41.600
13
00:00:41.640 --> 00:00:45.240
14
00:00:45.560 --> 00:00:48.880
15
00:00:49.399 --> 00:00:54.119
16
00:00:54.200 --> 00:00:57.399
17
00:01:01.320 --> 00:01:06.519
18
00:01:06.599 --> 00:01:09.760
19
00:01:09.959 --> 00:01:15.560
20
00:01:15.560 --> 00:01:21.760
21
00:01:22.120 --> 00:01:29.400
22
00:01:29.719 --> 00:01:33.959
23
00:01:34.400 --> 00:01:37.879
24
00:01:37.920 --> 00:01:39.480
25
00:01:39.480 --> 00:01:42.239
26
00:01:42.319 --> 00:01:46.840
27
00:01:47.599 --> 00:01:51.120
28
00:01:51.200 --> 00:01:54.519
29
00:01:54.560 --> 00:01:56.719
30
00:01:56.760 --> 00:02:00.760
31
00:02:00.840 --> 00:02:04.319
32
00:02:04.400 --> 00:02:08.759
33
00:02:08.800 --> 00:02:13.439
34
00:02:13.479 --> 00:02:17.360
35
00:02:18.000 --> 00:02:22.479
36
00:02:22.560 --> 00:02:26.000
37
00:02:26.080 --> 00:02:30.800
38
00:02:30.879 --> 00:02:36.159
39
00:02:36.400 --> 00:02:42.479
40
00:02:42.680 --> 00:02:48.759
41
00:02:49.479 --> 00:02:53.159
42
00:02:53.439 --> 00:02:58.960
43
00:02:59.360 --> 00:03:03.159
44
00:03:03.199 --> 00:03:06.520
45
00:03:06.759 --> 00:03:10.960
46
00:03:11.039 --> 00:03:14.599
47
00:03:14.639 --> 00:03:18.000
48
00:03:18.800 --> 00:03:21.599
49
00:03:21.759 --> 00:03:24.719
50
00:03:25.159 --> 00:03:27.599
51
00:03:27.599 --> 00:03:30.639
52
00:03:30.719 --> 00:03:33.080
53
00:03:33.120 --> 00:03:36.919
54
00:03:36.960 --> 00:03:41.439
55
00:03:41.599 --> 00:03:44.240
56
00:03:44.319 --> 00:03:46.960
57
00:03:47.960 --> 00:03:51.680
58
00:03:54.000 --> 00:04:00.840
59
00:04:01.840 --> 00:04:05.919
60
00:04:05.960 --> 00:04:09.599
61
00:04:10.520 --> 00:04:14.439
62
00:04:14.639 --> 00:04:18.199
63
00:04:18.240 --> 00:04:23.399
64
00:04:23.439 --> 00:04:25.879
65
00:04:25.959 --> 00:04:30.000
66
00:04:30.120 --> 00:04:36.560
67
00:04:36.920 --> 00:04:40.480
68
00:04:40.480 --> 00:04:45.199
69
00:04:45.759 --> 00:04:49.160
70
00:04:49.720 --> 00:04:55.079
71
00:04:55.199 --> 00:05:01.079
72
00:05:01.519 --> 00:05:06.720
73
00:05:07.120 --> 00:05:14.519
74
00:05:14.959 --> 00:05:19.399
75
00:05:19.399 --> 00:05:23.519
76
00:05:23.560 --> 00:05:26.879
77
00:05:26.920 --> 00:05:31.040
78
00:05:31.160 --> 00:05:35.399
79
00:05:35.480 --> 00:05:40.959
80
00:05:41.480 --> 00:05:45.680
81
00:05:45.839 --> 00:05:50.199
82
00:05:50.240 --> 00:05:55.800
83
00:05:55.920 --> 00:05:59.240
84
00:05:59.279 --> 00:06:04.240
85
00:06:04.319 --> 00:06:08.720
86
00:06:08.759 --> 00:06:11.600
87
00:06:11.680 --> 00:06:14.639
88
00:06:14.720 --> 00:06:19.160
89
00:06:19.680 --> 00:06:27.519
90
00:06:28.199 --> 00:06:31.360
91
00:06:31.399 --> 00:06:34.439
92
00:06:34.480 --> 00:06:38.160
93
00:06:38.480 --> 00:06:43.319
94
00:06:43.480 --> 00:06:47.959
95
00:06:48.879 --> 00:06:51.439
96
00:06:51.639 --> 00:06:54.199
97
00:06:54.680 --> 00:06:57.720
98
00:06:58.560 --> 00:07:03.399
99
00:07:04.040 --> 00:07:08.720
100
00:07:09.480 --> 00:07:13.480
101
00:07:13.560 --> 00:07:17.560
102
00:07:17.639 --> 00:07:21.240
103
00:07:22.399 --> 00:07:26.439
104
00:07:27.519 --> 00:07:33.680
105
00:07:33.800 --> 00:07:37.839
106
00:07:37.879 --> 00:07:42.600
107
00:07:42.720 --> 00:07:45.079
108
00:07:45.160 --> 00:07:48.680
109
00:07:48.759 --> 00:07:53.160
110
00:07:53.439 --> 00:07:56.839
111
00:07:57.040 --> 00:08:00.600
112
00:08:01.160 --> 00:08:05.519
113
00:08:06.800 --> 00:08:09.480
114
00:08:09.560 --> 00:08:12.839
115
00:08:14.240 --> 00:08:18.680
116
00:08:18.800 --> 00:08:22.319
117
00:08:22.399 --> 00:08:27.800
118
00:08:28.240 --> 00:08:32.440
119
00:08:32.480 --> 00:08:35.919
120
00:08:36.200 --> 00:08:41.360
121
00:08:41.440 --> 00:08:44.759
122
00:08:45.000 --> 00:08:48.480
123
00:08:48.519 --> 00:08:52.480
124
00:08:52.519 --> 00:08:55.720
125
00:08:55.759 --> 00:08:59.840
126
00:09:00.919 --> 00:09:05.519
127
00:09:05.600 --> 00:09:09.919
128
00:09:10.480 --> 00:09:18.559
129
00:09:19.360 --> 00:09:24.519
130
00:09:24.559 --> 00:09:30.399
131
00:09:30.480 --> 00:09:37.320
132
00:09:37.440 --> 00:09:40.919
133
00:09:41.000 --> 00:09:47.840
134
00:09:47.960 --> 00:09:50.799
135
00:09:50.879 --> 00:09:54.559
136
00:09:54.600 --> 00:09:57.720
137
00:09:57.840 --> 00:10:03.320
138
00:10:03.480 --> 00:10:06.159
139
00:10:06.240 --> 00:10:11.039
140
00:10:11.120 --> 00:10:15.679
141
00:10:15.759 --> 00:10:17.879
142
00:10:18.000 --> 00:10:21.840
143
00:10:21.960 --> 00:10:24.840
144
00:10:25.080 --> 00:10:29.159
145
00:10:29.240 --> 00:10:34.879
146
00:10:35.639 --> 00:10:39.759
147
00:10:39.919 --> 00:10:43.879
148
00:10:43.960 --> 00:10:50.559
149
00:10:51.080 --> 00:10:53.120
150
00:10:53.120 --> 00:10:55.559
151
00:10:55.639 --> 00:11:01.159
152
00:11:01.320 --> 00:11:06.279
153
00:11:06.360 --> 00:11:10.399
154
00:11:11.039 --> 00:11:14.399
155
00:11:15.120 --> 00:11:19.000
156
00:11:19.039 --> 00:11:23.039
157
00:11:23.039 --> 00:11:27.000
158
00:11:27.000 --> 00:11:31.240
159
00:11:31.879 --> 00:11:36.720
160
00:11:37.960 --> 00:11:41.360
161
00:11:41.440 --> 00:11:46.639
162
00:11:46.799 --> 00:11:50.279
163
00:11:50.960 --> 00:11:54.559
164
00:11:54.600 --> 00:11:57.320
165
00:11:57.360 --> 00:12:02.120
166
00:12:02.159 --> 00:12:06.080
167
00:12:06.120 --> 00:12:10.960
168
00:12:11.000 --> 00:12:16.639
169
00:12:16.720 --> 00:12:20.639
170
00:12:20.679 --> 00:12:26.519
171
00:12:26.559 --> 00:12:31.039
172
00:12:31.120 --> 00:12:34.360
173
00:12:34.399 --> 00:12:38.519
174
00:12:38.639 --> 00:12:41.320
175
00:12:41.519 --> 00:12:45.519
176
00:12:45.519 --> 00:12:55.559
177
00:12:55.600 --> 00:12:59.799
178
00:13:00.080 --> 00:13:06.960
179
00:13:07.159 --> 00:13:13.120
180
00:13:13.159 --> 00:13:18.120
181
00:13:18.360 --> 00:13:21.039
182
00:13:21.240 --> 00:13:25.720
183
00:13:27.080 --> 00:13:31.120
184
00:13:31.279 --> 00:13:36.080
185
00:13:36.159 --> 00:13:39.759
186
00:13:39.879 --> 00:13:43.120
187
00:13:43.240 --> 00:13:46.399
188
00:13:46.399 --> 00:13:51.759
189
00:13:51.799 --> 00:13:55.799
190
00:13:56.799 --> 00:14:02.759
191
00:14:02.799 --> 00:14:06.159
192
00:14:06.200 --> 00:14:10.840
193
00:14:11.559 --> 00:14:14.360
194
00:14:14.440 --> 00:14:21.279
195
00:14:21.360 --> 00:14:25.799
196
00:14:25.879 --> 00:14:28.799
197
00:14:28.840 --> 00:14:32.759
198
00:14:32.840 --> 00:14:35.600
199
00:14:35.639 --> 00:14:40.360
200
00:14:40.399 --> 00:14:44.960
201
00:14:45.360 --> 00:14:48.919
202
00:14:49.120 --> 00:14:53.679
203
00:14:53.759 --> 00:14:59.080
204
00:15:00.120 --> 00:15:05.000
205
00:15:05.039 --> 00:15:11.279
206
00:15:11.559 --> 00:15:14.600
207
00:15:14.879 --> 00:15:18.759
208
00:15:19.679 --> 00:15:23.279
209
00:15:23.919 --> 00:15:27.039
210
00:15:27.080 --> 00:15:32.720
211
00:15:32.759 --> 00:15:37.799
212
00:15:37.919 --> 00:15:42.000
213
00:15:42.080 --> 00:15:45.200
214
00:15:45.240 --> 00:15:48.679
215
00:15:48.799 --> 00:15:51.399
216
00:15:51.960 --> 00:15:54.399
217
00:15:54.399 --> 00:15:56.679
218
00:15:57.000 --> 00:15:59.919
219
00:16:00.000 --> 00:16:05.279
220
00:16:05.320 --> 00:16:11.759
221
00:16:13.679 --> 00:16:17.559
222
00:16:18.039 --> 00:16:28.600
223
00:16:28.720 --> 00:16:32.720
224
00:16:32.799 --> 00:16:37.120
225
00:16:37.480 --> 00:16:42.480
226
00:16:42.519 --> 00:16:45.320
227
00:16:45.399 --> 00:16:49.840
228
00:16:49.840 --> 00:16:52.679
229
00:16:53.279 --> 00:16:59.000
230
00:16:59.039 --> 00:17:01.799
231
00:17:01.919 --> 00:17:05.039
232
00:17:05.039 --> 00:17:10.920
233
00:17:10.960 --> 00:17:16.559
234
00:17:16.720 --> 00:17:20.119
235
00:17:20.119 --> 00:17:25.119
236
00:17:25.200 --> 00:17:27.720
237
00:17:28.400 --> 00:17:33.200
238
00:17:33.240 --> 00:17:38.000