Aging In Place Directory

#37 - Shielding Seniors from Digital Scams

Esther C Kane CAPS, C.D.S. Episode 37

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We sit down with John Ream, creator of SeniorShieldai, an innovative app designed to help seniors identify scam text messages and protect themselves from digital fraud. John shares his personal motivation for developing this solution after watching his father repeatedly fall victim to online scams, costing his family thousands in fraudulent charges.

• SeniorShieldai uses AI and a known scam database to analyze suspicious text messages
• The app offers three affordable pricing tiers: free, $0.99/month, and $3.99/month
• Over 100,000 seniors reported scams in 2023, with average losses of $34,000 per incident
• Total senior scam losses exceeded $3.4 billion last year in the US alone
• Educational quizzes within the app teach users how to identify common scam patterns
• The average person receives approximately 12 fraudulent text messages daily
• Family members can send "test scams" to educate their elderly loved ones
• Weekly scam alerts keep users informed about new threats
• Android version of the app currently in development
• Educational content available on SeniorShield's Instagram account

Check out SeniorShieldai at seniorshieldai.com and download the app to protect yourself or your loved ones from costly scams.


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Speaker 1:

Hi everyone. This is Esther Kane and I did an interview just a few days ago with John Ream from SeniorShieldai. He's the creator and founder of an app and the website is SeniorShieldai and, of course, the app is SeniorShield. It's a wonderful app to try to help seniors, but of course, anyone, I think, get away identify spam text and which we all seem to be getting lately. I've been getting for a few times a week now I get a text from the United States Post Office addressed to my cat, stella, who actually passed away last year. So obviously I can tell that that's a scam, because why would the post office be texting me? There's they, you know no reason. And two, it's addressed to my cat, so that's an easy one to identify, but not all text messages that come in are easy to identify. So with this great app that he created, you can put the message into the app and it will let you know if it's legit or if it's fake. On top of that, you know he made the pricing extremely affordable. There's three models there's the free model, there's $0.99 a month model and then there's $3.99 a month model to keep your senior loved ones safe.

Speaker 1:

I mean, we all know that technology is changing so quick it's hard to keep up. It's hard to know what's legit and what's not anymore, at least for most of us. So stick around, take a look at the, at the pot, at the interview, and I hope you like it. Of course, you know, click the like button, give us your comments, subscribe to our channel. We appreciate each and every single one of our subscribers. I will see you next time and look forward to your comments. Take care, I'm sure you've been talking a lot about the app.

Speaker 2:

Yes, definitely it's new. I just released it about a month and a half ago.

Speaker 1:

Wow, how long did it take you or whomever, to create it. Did you create it?

Speaker 2:

I did not. I came up with the idea and everything myself, but I am not a software developer.

Speaker 1:

Okay.

Speaker 2:

But I got someone to develop it for me.

Speaker 1:

Perfect. It looks amazing.

Speaker 2:

I built Senior Shield with the family caregivers in mind. Because I came up with this idea? Because my father he's starting to age and his cognitive abilities are declining a little bit and he's very susceptible to scams. Primarily, you have a virus on your phone. You need this virus protection oh no so I saw my.

Speaker 2:

My dad would always fall for it. Pay for my mom would be canceling the credit cards. It would keep happening and I'm like he keeps getting scammed in the text messages. I was like, what if I could educate him in the text messages? So that's kind of where my original idea came from.

Speaker 1:

I love it. I mean, I love that there's that personal history, because you you understand the need of the family members trying to protect, and not only that, but the older adult too. Look, you know, everyone gets. Everyone can easily get scammed these days, especially with ai, who knows what to have you seen the uh toll scams no t-o-l-l.

Speaker 2:

The toll yeah like yeah, like you know, you missed your toll when you went on the highway so there's, a very common one going on across many different states right now and I received it.

Speaker 2:

It looked very real. I live here in boston, massachusetts, and it's like your easy pass invoice is overdue. I almost clicked the link. Then I'm like, wait a second. I uploaded it into senior shield and it told me it was a scam. And then I googled it and I'm like, oh my, the creator of Senior Shield almost just fell for a scam.

Speaker 1:

It's so easy, yes, it's so easy. You don't know what to. You don't know what to believe anymore. Honestly, even yeah, yeah. So how exactly does the app identify a scam? I mean, you have to put it in there, right?

Speaker 2:

Yeah, so the it's. It's still new, so I don't think the usability it's not perfect.

Speaker 1:

Sure Nothing. Look, it's always evolving.

Speaker 2:

Yeah, but so there's a few different things that it does. One one can sign up their parents or their family member, friend, someone that may be susceptible to scams, and once they sign them up, that person can then opt in. Then they can receive, like a daily text message of oh here's a notification of some common scams that are going on and here's how to stay aware of it Just education in the text messages themselves. It just education in the text messages themselves. Um, another way is, inside the app, you can upload the contents of a message and the phone number or email, and what it does then is it actually pings across a known scam database and tells you if that phone number or email are in that database and if it's a known scammer, and then, separately, it actually reviews the content of the message and uses AI to analyze that message and to tell you if it looks like a scam or not.

Speaker 1:

Right, or if it's a message that's already been identified as a scam, or even if it's a paragraph, I suppose, or a sentence saying, hey, this has been used. Yes, well, that's a good way to use AI, yeah.

Speaker 2:

Then there's educational quizzes in it.

Speaker 1:

Yeah, how does that?

Speaker 2:

work.

Speaker 1:

Is that like something that comes on a daily text message or email?

Speaker 2:

No, it's inside the mobile app.

Speaker 1:

Okay.

Speaker 2:

So you'd have to open up the mobile app, take a look at the quiz of the week, and then you can take that quiz.

Speaker 1:

Okay. So it's sort of like those health apps where you know you go in and it's got exercises for the day or whatever. Go in and see that. Yeah, I tried putting it on my phone, but I have an Android.

Speaker 2:

I'm coming up with Android soon, but not quite yet, so I'll be sure to let you know once it's available for you.

Speaker 1:

Yeah, let me know, um, because I was trying to see, all right, how does it work? It looks so cool. I mean, certainly the price point is great, for sure. Yeah, you know, I only have a few paying customers right now.

Speaker 2:

um, but you know I I'm still brand new. It just came out a couple months ago and it's always a slow start.

Speaker 1:

Right, that's okay. I mean you need to start building that up and the reviews Look. It takes a while, but I think it's a brilliant idea. I think it's excellent for, like you said in the on your website, not just for the older adults, but also for the family members who are trying to protect their older adults.

Speaker 2:

I mean, the world's getting scary and they're getting more advanced and it's very difficult to decipher, like what's a scam and what's not.

Speaker 1:

It does? What's the it that it's pulling where the scams are or what identifying them?

Speaker 2:

yeah, so this is it.

Speaker 1:

I can um I was just wondering yeah, it's called ip quality score.

Speaker 2:

Ip quality score.

Speaker 1:

IP quality score Okay.

Speaker 2:

So I just sent that in the chat.

Speaker 1:

Okay.

Speaker 2:

So, yeah, it's a public database, but this you know in order to actually use it, you would have to go to the website log in, whereas my app just has a direct API connection to it.

Speaker 1:

Right.

Speaker 2:

Yeah. Right, excellent and give me an example of what one of the quizzes are like. The educational quizzes, yeah, you know.

Speaker 1:

Well, let me pull it up and I can show you on that. Yeah, that was another thing I was going to say. Um, I would love to see a video of it actually working on the website. I don't know if you have an article on that. Did I miss it?

Speaker 2:

No, I don't. I don't think I've done that quite yet.

Speaker 1:

Yeah, that would be cool to see for us, for us visual learners.

Speaker 2:

Yeah, let me share my screen here. Awesome, I'm going to.

Speaker 1:

You're very lucky to be living in Boston.

Speaker 2:

Well, maybe not in the winter, but otherwise it's a great city. And where are you based?

Speaker 1:

I'm northeast of Atlanta. Oh, okay 45 minutes northeast of crazy Atlanta.

Speaker 2:

I like Atlanta. I've been there for work a few times.

Speaker 1:

Oh yeah.

Speaker 2:

Yeah.

Speaker 1:

What do you do?

Speaker 2:

for work. I work in B2B sales tech sales actually so you know I work from home. I'm a product expert where I give demonstrations of the software to prospective clients. Cool Well so you must do it, you must work on this in the side.

Speaker 1:

Yeah, well, that's how. That's how the idea of the pet rock gets started. Right, it started on the side.

Speaker 2:

Yeah, so here we have the app itself. Let me just turn on a little tool I have. Yeah, okay, great, so you log into the app. What I like to have is a weekly scam alert where every single week it'll be a new scam alert, so this can keep you informed of what are some of the most common scams going on. So this is that one I was talking about. God, it takes telling you to pay overdue toll charges. You can drill in here and actually read about this scam and how it's actually affecting a lot of people. If you were to Google the scam, you were going to see it everywhere.

Speaker 1:

Wow, that's amazing. I can't believe you got that scam on your phone.

Speaker 2:

Oh, I've gotten it like four or five times oh my God, that is crazy.

Speaker 1:

It would be worse if somebody paid it and they didn't even have one of those passes.

Speaker 2:

Yeah, I was very close to falling for it. I'm kind of ashamed to say it, but just to say how scary that is these days.

Speaker 1:

Well, it's how vulnerable all of us are. Look these days, you don't know, but it looks awesome.

Speaker 2:

It looks very user-friendly it was designed like that in mind, because it has to be it has to be right.

Speaker 1:

Did you use your father as a test subject? Yeah that's great.

Speaker 2:

That's the way to do it yeah that's great so in the resources we I have three sections. I'm still creating some videos. That's going to try to help streamline the onboarding process to make it as easy as possible for end users to use the app okay, right but for the quizzes, you know, quiz of the week. In fact, esther, we can have you take this quiz.

Speaker 1:

Oh gosh, Okay, I get my glasses. Oh my God All right.

Speaker 2:

Do you need that or?

Speaker 1:

You receive an email from your bank asking you to verify your account information by clicking on a provided link. What should you do? Oh, do not click it. And call the bank or get on your online platform account for the bank, but don't ever click the link. Ignore the email. Your bank will contact you by phone if there's an issue, well, maybe Forward the email to friends. Oh, my God, no. Submit and verify with SeniorShield. Well, yes, obviously, if you have SeniorShield, definitely do. Number four you receive an unexpected email from a friend with an attachment and a vague message. What should you do? Open the attachment. That can be scary. Contact your friend through a different method? Well, you could do that. Forward the email to others new. Click the attachment and forward to friends new. I hate attachments on email that and forwards a pop-up this is the one my dad would always fall for pop-up message appears on your computer screen saying your system is infected.

Speaker 1:

Oh, with the virus, oh my god. It's like the movie the beekeeper. Yes, instructs you to call a provided phone number immediately. What is the best course of action? Call the number immediately, unless you want to blow up the building like a beekeeper. Close the pop-up window and run a trusted antivirus scan on your computer. You could ignore it, it's probably just a harmless ad and provide your credit card. No, definitely not. Number four, number two, I don't know if you can't ignore it, can you?

Speaker 1:

an unknown person messages, messages you on social media this is a very common one yeah, and if you're on social media, you do get that a lot expressing romantic interest. Oh, those romance scams yeah, after a brief conversation, that's scary. They soon ask for financial help. How should you respond? Send them money to help out? No, uh, stop communication and report the profile. Yeah, continue chatting. No, well, unless you want to catch them, ask them for personal documents to verify their identity, why would you continue? No, yeah, number two this.

Speaker 1:

The sad truth is, I'm sure you know, many elders get lonely yeah, I mean, I've been a widow for 10 years now, so and I'm 67, you know, I can tell you that it it does happen, I can see those romance scams coming to fruition, but they're scary. Once you know about them, you can't trust anything. Yeah, all you have to do is watch one of those crime things on TV and yeah, anyway, you receive a letter stating you've won the lottery. You don't remember entering half of that, but you need to pay a fee to claim the prize. What's the appropriate action? Send the fee to claim your winnings. Ignore the letter. It's likely a scam. Contact the lottery company to verify your win. You could do that and share the good news with friends and family. Number three, but you could do number two as well, right, good.

Speaker 1:

While browsing online these are all really good good quizzes. While browsing online, you're prompted to fill out a survey for chance to win a high value prize. Yeah, but it asks for your social security number and banking details. Oh, yeah, what's the safest? Provide the information nope. Information, nope. Only. Provide partial Nope. Decline to participate and exit the site yeah. Share the info with others? Oh, that would be worse.

Speaker 2:

The spread is high. This is the initial quiz, and I wanted to make this one rather generic and high level that spans across a number of the most common scams that people see today.

Speaker 1:

I can see that. I mean they're great questions. Did you come up with these or it's just a series of what your experience and your dad's experience or what you're seeing online of scams?

Speaker 2:

I came up with these questions with just knowledge and research of the most common scams that are affecting people, so I figured that would be the most logical place to start. You're absolutely right we can kind of skip through these last ones.

Speaker 1:

Yeah, they're really great. I can see how and then you get the test results. I love it.

Speaker 2:

Yeah, so we have a little touching up to do and education we should do to make sure we don't fall for any.

Speaker 1:

That's great, though, really, I mean, you know the two things that I think that that, well, there's three things really that I think this app is hitting on is one, just the awareness, the list of scams that are currently happening to you know, know, getting this, these types of quizzes, which is a way of showing you how the scam could work, so that you can educate yourself to not fall for it. And then three, just the you know the, the the alert acts aspect of having the app on your phone so that you can put the possible scam in there to let you know if it is an app. Now it's on the person, it's on your father's phone. Yeah, you get an alert no, not quite yet okay, but that's what you want to do.

Speaker 1:

You want to include the family as well, or not, is?

Speaker 2:

that invasive yeah, uh, so I'll show you something. Um, so there's another feature of the app where I can actually send a fake scam text to my father or my mother yeah, and then they'll receive a fake scam text and if they click it they'll get sent to my website saying you fell for a scam. Oh okay, yeah okay um well, let me show you another way here. Uh, another piece of the app that's actually.

Speaker 1:

That's actually a great idea to do, not just to your parents, because if you did that and then sent them to a page on your website, you know this was a test. You fell for a scam. If you want to protect yourself, let me tell you about SeniorShieldai.

Speaker 2:

Yep.

Speaker 1:

Because I saw somewhere. I thought I saw somewhere on your site that there was family member access, or did I make that up?

Speaker 2:

Yes.

Speaker 1:

Oh, I did, Okay, great.

Speaker 2:

Yeah, and so we'll connect back here. That's my dog in the background.

Speaker 1:

That's okay, it's my cat on the table. That's just how it is when you work at home.

Speaker 2:

So yeah, here we have receive a suspicious message. So I received this one a couple days ago. You've probably this is a very common one. Okay, you know from USPS.

Speaker 1:

I've gotten that myself.

Speaker 2:

Yeah, so this isn't the best UI yet. I need to make this a little bit better. But I just put in the phone number I got it from and uploaded the message itself, press verify and now it's telling me it's a scam. Now the phone number wasn't known, but it's saying, based on the contents of the message, it's a scam.

Speaker 1:

Right, because it's not a known number for UPS. Right, very good, very good. I love it. It's simple, it's clean and easy to use and I like that you have the um, the share feedback, because whenever you have something new, I don't care what it is a website, an article, an app, anything at all you want to get feedback from the people who are using it, because that's how you change it, that's how you build it and rebuild it Exactly. I mean, you know from from selling software, from talking about software.

Speaker 1:

It's in constant, you know rebuilding iterating version one, version 1.2, version 1.8, and so on and so on. I mean, that's just, that's just the nature of it. It's always been that way and it should be, because it's changing with um, everything, not only technology, but how people use it and um, and people come up with all new ways to use it. Um, I love it. So what feedback, if any? It's so new, you probably haven't. What feedback, if any, it's so new, you probably haven't. What feedback, if any, have you gotten from your users?

Speaker 2:

You know, some of the feedback is make it a little bit easier to. People always wanted to auto review their messages and then immediately identify which one's a scam. Apple has blocked the ability to do that actually yeah, okay you know, like security and privacy concerns, so I can't do that with Apple. I might be able to do that with Android, though.

Speaker 1:

Okay. So what they're saying is, if they get a message, let's say in their email that Senior Shield would automatically flag it.

Speaker 2:

Yes.

Speaker 1:

Oh, so they don't want to take the extra step to put it into the app?

Speaker 2:

Correct.

Speaker 1:

Well, everybody wants the automatic toilet.

Speaker 2:

Yeah, you know, there's always the automation that people want.

Speaker 1:

Yeah.

Speaker 2:

But for Apple not quite there. I don't even know if we ever will get there. Android it's possible, because they have looser uh security uh regulations on their phones.

Speaker 1:

Yeah, yeah, but it would be difficult because you're not only targeting emails, you're also targeting text and you're also targeting browser. I I mean, that would be a lot yeah.

Speaker 2:

When I was first coming, before the idea was even developed, I posted about it on Reddit. There's this guy named Liam that had to respond and I actually spoke with him because he's a product software developer used to work for Google and I spoke with him and he developed something similarly for a google chrome plugin that would crawl across your email and manage the sites that you're viewing, to help do a very similar process, because his grandmother was getting scammed. Oh, you're hitting upon a some future functionality of senior shield to do that, but I don't have that yet yeah, well, you will.

Speaker 1:

I mean, there's over 10 000 people a day turning 65 and that's going to continue, I think, until 2030, I think, and then past that, uh, the next 10 years are going to be the next, uh, demographic, the next generation turning six.

Speaker 2:

So you, yeah, there's uh, the market is there, um you know how many um scam complaints there were by seniors over the age of 60 in uh 2023 no, tell me over 100 000 in the us oh my god, and those are the ones that actually complain. Right.

Speaker 1:

Never mind the ones that didn't say anything.

Speaker 2:

The average scam amount was $34,000.

Speaker 1:

Oh no.

Speaker 2:

Yeah.

Speaker 1:

Oh, my God.

Speaker 2:

What if people don't?

Speaker 1:

have any money for aging in place.

Speaker 2:

Over $3.4 billion in fraudulent scams for seniors in 2023.

Speaker 1:

Wow, it's an astronomical number. Wow, that is definitely something to be, yeah.

Speaker 2:

In the average person.

Speaker 1:

I had no idea it was that high.

Speaker 2:

Upwards of 12 scam or fraudulent text messages a day.

Speaker 1:

Well that I know the number of messages, but I had no idea and I had no idea that the average loss of uh, the scam, you know the scammed person was 34 000.

Speaker 2:

I have a friend who just got scammed out of 13 000, um wow when I was opening up the bank account, I was at like my local chase branch and I was telling the banker about my business and he was telling me he's like every single week I see a senior getting scammed. He's like just last week there was one that fell into like lost over a hundred thousand dollars due to a crypto scam.

Speaker 1:

Oh, my god, oh my god, it's gonna. You definitely have potential to grow with this. You know, besides the, the google guy that you were talking about earlier is are there any other um apps or programs that you know of that are similar?

Speaker 2:

I've come across a couple similar ones, but they don't really have too much of a following at all. I actually noticed that McAfee Antivirus. They came out with something similar to auto detect scams. I don't know exactly how it works, but that's targeting more of the overall market for identifying scams as opposed to educating seniors. I thought about starting it for being broader, but I thought that maybe having a niche that I stuck to to educate may be the best way to start out.

Speaker 1:

Yeah, it is Build that I mean. The one thing I've learned in internet marketing for 25 plus years is stick with a niche, really build it up, get your authority in that niche, and then you can start playing around by adding other things and you can just, yeah, just create a new company with the same product, market it differently.

Speaker 2:

That's what. I was. Right, exactly what do you? What would you like to see any additions? The app, I mean. You know I've heard some people. You know there's a lot of apps out there for the senior market on a whole, whether it's from reminders to take your medication, assistance in getting to your doctors or managing all your health information. Obviously, I'm focused on scams, but, you know, if there's a need to broaden outside of just scams, make it more all for one solution, I would never be opposed to that.

Speaker 1:

Okay, that makes sense. Instead of having 20 apps doing 20 different things, combine it all. Yeah, that would make sense and that certainly would be very user-friendly.

Speaker 2:

Yeah.

Speaker 1:

Well, there's enough services out there that you could tack on to.

Speaker 2:

Yeah.

Speaker 1:

As you will notice, as your father gets older and mother.

Speaker 2:

Yeah, yeah.

Speaker 1:

I know I've been through that. I've been through that myself. Well, I think you know one thing. I do want to say what I ask you, I'm sorry. Do you feel that there are, or have you discovered that there are, any challenges that you're facing with this app, besides just the marketing? Are there any issues that you found that you're hitting the wall on?

Speaker 2:

So sometimes with the mobile app when you send a fake scam message, it doesn't always it's not always embedded with the hyperlink okay, um, also like if I were to add my father, he would receive a text message saying like oh, john ream sent you, uh, signed you up for this. Click here to download the app and opt in. That doesn't always have a hyperlink either. I've noticed through testing with end users that that link doesn't always hyperlink, so that makes it a little difficult to understand. So I'm trying to figure out why that's the case. But these are all minor things, but they're not perfect for the end user experience.

Speaker 1:

No, no, but it sounds like it's a coding issue. You know, a technical issue, right?

Speaker 2:

I'm working with my developer on those things.

Speaker 1:

Yeah, and, like I said, it'll always be growing. Well, it's a beautiful site. Yeah, well, they did a good job, thank you. I mean you're, you know, you got everything on there that I can see.

Speaker 2:

Did you take a look at my Instagram account?

Speaker 1:

At your what account?

Speaker 2:

Instagram.

Speaker 1:

No, not yet why.

Speaker 2:

Oh, I think there's some fun content on my Instagram.

Speaker 1:

Oh, okay, I am going to check you out.

Speaker 2:

I can also share my screen and show you.

Speaker 1:

There we go. Oh, I see the 3.4 billion.

Speaker 2:

Yeah.

Speaker 1:

Wow, is that your father?

Speaker 2:

No no.

Speaker 1:

I see somebody there.

Speaker 2:

But yeah, just you know a lot of education about the marketplace, thought leadership, you know just trying to tell people who Senior Shield is, what we stand for, how we're trying to help.

Speaker 1:

At the end of the day, that's what it's all about, and you know I have a. Do you have a YouTube channel as of yet?

Speaker 2:

I've created one, but I haven't uploaded any videos to it yet.

Speaker 1:

Okay, you'll find. You know I have two YouTube channels, one for each of the websites, and I mean that took a while to to gain traction, but once it once it did. It's so wonderful to get the replies, um comments from people saying, oh, this was so very helpful, thank you. This just happened to my mother. You know this really helped. I mean you get a lot of, you know, strange, weird ones too, but the helpful ones are the grateful ones. It really fills your heart and it really makes you feel like, okay, you know, those 18 hours I spent in front of the computer really are worthwhile. So I think you'll get that too.

Speaker 2:

And I just read that Instagram just passed as the second most used search engine over youtube really yeah, so keep market, keep marketing on instagram I'm building up my base just by building up some followers and you know I'm going to keep posting and you know, hopefully, uh, you know, hopefully I'll be able to help some people not get scammed yeah, as long as the information is useful, eventually it'll get to where it needs to get to well, I mean, you know, I think your podcast is great. I was taking a look at it oh, thank you it all comes down to.

Speaker 2:

Education is just so important, but sometimes it's hard to get that education to the ears that need to hear it.

Speaker 1:

It is. It is. I mean, sometimes I feel like I'm pulling a donkey across the road. You know you have that info there. You want to give it to them, but they just don't seem to. Well, you know, aging is very emotional. It's emotional admitting you're getting older. It's emotional you can't do as much as you you know you could um. And then it's emotional for the family members watching their loved one going through that process it. You know you're fighting so many issues and in aging in place issues. The second factor is is cost. Usually a lot of home renovations cost a lot of money. So that's why I really love tools, you know, like the Senior Shield app, where it's extremely affordable and it's so user-friendly. And look if it can save you $34,000, what the hey? That's a lot of money.

Speaker 2:

It's a lot of money.

Speaker 1:

That's a lot of money. It's a lot of money. So I think that it's yeah, it's great, it's great. Oh, I thank you so much, John.

Speaker 2:

Thank you for your time and it was so great to meet you and I'm really looking forward to the podcast.

Speaker 1:

Well ditto. Yeah, I can't wait to showcase this. I'm going to start writing the article right away and let them know that the podcast is coming. And, yeah, maybe I'll put it ahead of the schedule. I know we have a schedule, but maybe I'll do that because it was really good, thank you. Thank you so much. I look forward to talking to you again. I look forward to seeing how this thing improves. I can't wait for it to get on Android.

Speaker 2:

Yeah, I will let you know once it does. I was speaking with my developer yesterday, so that's next up all right, cool.

Speaker 1:

Well, you have an awesome day, enjoy boston, and I will talk to you later have a great day take care, thank you.

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