- Have you ever been the victim of identity theft? Care to share some details?
- What should be the punishment for these assholes?
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Yesterday morning, around 9AM, I watered the two hanging baskets by the front door. I didn’t lock the door after I was finished … cuz we live in a nice neighborhood with no crime.
Sometime around noon Ms. Freud checks her voice mail. Somehow she missed a call from earlier in the morning. It was Bank Of America, and they want her to come into the nearest branch office, ASAP. She leaves just before 1PM.
We have two televisions; a small flat-screen in the kitchen, and a large flat-screen in the bedroom. At 1PM I go to the bedroom taking with me a bowl of homemade hummus and pita chips. I get myself situated on our king-size Tempurpedic foam bed (the most comfortable bed I’ve ever had, hands down), turn on the TV to the Austria-Iceland soccer match and, since Ms Freud is out of the house, I turn up the volume to “83”, which is quite loud.
About two hours later the game is almost over and I think I hear a male voice in the house. WTF? I turn down the volume as I wipe the tears from my eyes — (my beloved Austrians are getting their asses kicked … by a nation that doesn’t even have one grass soccer field). Now I hear the voice; “POLICE! IS ANYONE HOME? POLICE!”.
Ho Lee Fuk.
I literally jump out of bed and run to the living room. Sure enough, there are two Scotch Plains cops there, hands on holsters. Fuck, this can’t be good. At least it’s not the Chatham Police so, it probably doesn’t have anything to do with shit I’ve said here on TBP. My next thought is exactly the thought you would have had; — my beloved was in a car accident and she’s either dead or injured. Not so. Here, more or less, is how the initial conversation went:
Me: “Hi. Can I help you?”
Cop: “Do you live here?”
“Yes. Why”
“Does a woman live here also?”
“Yes. What’s going on?”
“Is her name Ms. Freud?” (not her real name)
“Yes. Can you PLEASE tell me what’s going on??”
“Is she home?”
“No. She’s at the bank. You’re freaking me out. Please tell me what’s going on.”
“We got a call from a financial institution in town. They said they have a client there who is extremely distraught and they feel she is a danger to both herself and possibly others. They gave us her name and this address.”
“Seriously?? This is nuts! She’s a tiny little munchkin, a psychologist even, and she’s incapable of even hurting a fly! There must be a big mistake.”
“The bank representative said she might be suicidal. She is not in trouble with us. We just want to find her and help her if she needs it.”
And so it went, back and forth, for about the next 35 minutes. I told them that Ms Freud went to BOA because they said her account(s) had been comprised … again …. This being the 3rd time. Yes, she was distraught over this but … suicidal?? That’s fucken nuts. I explained how her own father had committed suicide when she was a teenager, and that was the very reason she got her doctorate in psychology … and that she has two grandchildren under five years old whom she adores … and such a thought wouldn’t even cross her mind fleetingly.
The cop sympathized but, nevertheless, he said they must take those kind of calls seriously. I wasn’t sure which BOA she went to, so he called in to have cops go to all three locations. (I wondered –“Don’t they know which branch office the call originated from??”. I guess not.) Then he asked permission from me to ping her cell phone. “It won’t help.” I said this was the one time she didn’t take her cell phone with her, and showed the phone as proof.
As this scenario is progressing and getting more weird and surreal, I am getting progressively more agitated. Both cops were extremely patient, courteous and professional. They did their best to calm me down. They kept reassuring me that they’ll find her soon, and that based on what I’ve told them, that it was probably all a big misunderstanding.
I know I write a lot about “copfuks”. I also know this is not the first time whereby I’ve written about my positive encounter with cops. What gives? Well, I’m simply relaying the facts … and I can’t help if the actual story doesn’t fit the expected narrative … but, these two local cops were simply great. So solly to disappoint. (Don’t misunderstand. I still believe we live in a police state … and, my general mistrust of cops remains strong.)
While we’re talking in the living room, about 35 minutes in, guess who drives into the driveway? Ms. Freud!! I literally run out to the driveway. Now … I absolutely KNOW when Ms Freud is, or has been, upset. She wears her emotions on her sleeve. Indeed, she had fear on her face and looked shocked, and said, –“Are you OK??? What’s going on?? What did you do now?”. Huh? Me?? She thought the cops were there because of me! “Uh-uh”, I told her, “they’re here because they think you are suicidal. So, there!”.
By then, the cops had come out to the driveway. It took all three of us to pick her jaw off the ground. She was absolutely flabbergasted. I could tell she hadn’t been crying, or even upset. She explained to the cops that yes, she was pissed off at having to deal with yet another identity theft incident but, this wasn’t as severe as the previous incidents because the issue was resolved before she left the bank, so why in the hell would she be ‘suicidal’??!!” We all talked for about another ten minutes in the driveway. The cops rightfully ascertained there was no danger, that something got horribly blown out of proportion, we thanked them and shook their hands, and they left.
It just isn’t good for her image to have two cop cars parked in front of our house for 45 minutes. Not. Good. At. All. Some motherfucker is gonna pay! She goes in the house and immediately calls the BOA branch she just left. The bank manager and representative she dealt with are on the phone. They too are aghast. Neither one of them made the call. They’ll investigate, they said. And so, today, even as I write this, Ms. Freud is at the bank. She won’t rest until the asshole responsible for this fiasco is fired. She’s feisty. I imagine it will go something like this below (if you can’t watch a 72 second video, skip to the 50 sec. mark.)
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The first time she had identity theft, the sonvabitches emptied out the checking account used to pay bills …. about $5,000. How the hell can that even happen … when she, herself, is limited to withdrawing a few hundred dollars per day via an ATM?? It took several months for the bank to return the money to her account, and only after gobs and gobs of paperwork. (BTW, Ms Freud googled her name and found a website willing to SELL her credit card, social security number, and other personal information!!! Really. She brought that info to the police. “So solly, that info originates from another country. We can’t do nuthin’.”)
The second time she had about $3,000 charged to one of her credit cards. Someone bought a bunch of Blackberry phones. Really. In … Colorado. She has never been to Colorado.
This time, about $1,500 of shit was charged on a BOA card — which she did not open. But, the good news (cuz there’s a chance they could catch the cocksucker) is that all the charges are local. All the purchases were for video games. Here’s the bad news. After the first incident, she called all three credit bureaus and put a “freeze” on file. This means that no one can open any new accounts without Ms Freud getting a call from the credit bureau, or the vendor, and supplying the password. This did not occur …. which is probably why BOA was so quick in closing the account and voiding the charges.
Is there anything one can learn from all this? I’ll give it a try … while realizing that I may be overreacting at this point.
You think you have protections, but you don’t. You think there are safeguards, but there aren’t. You think it can’t happen to you, but it can. You’re “money” is nothing but electronic ones and zeroes which can be hacked at any time, by anyone, from anywhere on the globe. You preppers might consider digging a hole somewhere in your yard, a safe in your basement, etc., because really, your money isn’t safe with the bank.
What should be the penalty for identity thieves? Unless you’ve experienced it yourself, the victim feels violated … like being raped. What do we do with rapists? How about 20 years in prison, as a start. Or, how about someone burglarizes your home? Aren’t you allowed to shoot them? Well, that’s what these fuckers did to us … robbed us … so, I think I should be given the option of blowing their motherfucken’ heads off! Those are the only two options which are just and righteous.
Yeah, I’m pissed!!! Grrrrrrr!
I think capital punishment would be appropriate.
Supposedly, at one time or another, Americans had the right to protect themselves and their property at any level. Yes, you should be able to shoot them.
Back in the olden days, a cattle rustler could be shot on sight and was hanged if caught. Hanged? Why hanged? Because they rustled where they couldn’t be seen. So when they were caught…hang’em high.
Crazy..
I worry all the time about this and I know it can happen to anyone. There is loads of personal information floating around out there for bad guys to snatch.
I say hang them by the balls!
Cap the bitchezzzz….eye fer an eye….
This is exactly why I don’t keep money in bank accounts. Generally I put the money in the account a day or two before it is swept from my bill pay column.
I keep very little in business accounts now. You seriously have to stay one step ahead of the crooks.
You and your wife don’t deserve misfortune but . . .
still banking at Bank of Freaking America with all you know about the too big to jail banks?!
Five accounts there …. over the past couple months, three have been closed …. the other two will be closed by end of month.
When I left my first husband, I traveled to the hinterlands of the Missouri Ozarks where I had kith and kin from my early years before joining the USAF. I had him served with papers and a note that read “I am visiting the folks. If you try to visit, you know what could happen.”
My first husband was a Boston wannabe from New Hampshire who first met my brother, who was supposed to be in his suit in less than an hour at the church, on the side of the road where he opened the trunk of his new Ford Cougar (1988) to show us the 8 point buck he’d just picked up. With old blankets soaking up the blood congealing in the September afternoon, he figured he could hang the deer on the skinning tree, change his clothes, make the wedding and then have the deer skinned and in the freezer before the wedding supper that night at the church hall. My Boston mistake was not impressed. He was pretty sure my brother would just as soon skin a human as a deer and he knew he wasn’t high up on the list.
So, yeah. Around these parts, folks take the idea of property seriously. He did NOT try to visit me and talk me out of divorcing him.
Narrowly avoided identity theft owing to a chance observation of neighborhood teen with their hand in my mailbox. Retrieved my mail from their hand with some accidental damage. Explained the accident to their parents and noted that I had probably saved their spawn some future criminal charges if the accident had been painful enough. Parents thought my response ‘over the top’ and the accident proof thereof. (Wait for the finish…)
Countermeasures?
1. Moved mailing address to a secure mailing location.
2. Separated physical address from mailing address on all business communications and in all databases of service providers.
3. Repeated irregularly over the last 15 years.
4. Bank with USAA (you probably qualify, Stucky) as they have an excellent anti-fraud setup on accounts.
5. When traveling, the only debit card that I take is a third-party issue not linked to any of our main accounts. (AAA Travel Visa) My USAA credit card is pretty well protected and I use it in emergencies only whether at home or while traveling.
6. Pay attention to keypads on ATM’s! Avoid any that have a raised keypad platform as they have a good chance of being “masks” over the true pad and are capturing your PIN. Up-to-date machines (most countries) are almost entirely equipped with keypads flush with the rest of the surface.
7. Avoid third-party ATMs – – use those on the side of a bank, preferably during business hours.
If I am missing anything, I am sure someone will fill in the gaps.
Oh, yeah “the finish”…
Neighbor’s kid and boyfriend were arrested about 4 months after the confrontation and jailed for about a year. Charges? Mail theft and floating bad checks.
Da P
Never ever pay for gas with credit card while traveling , even , mostly !!! On turnpikes !!! The bad guys just copy the cards right off the gizmo they install secretly ( or knowingly )inside by the swipe thing . Surprise surprise outta state cards get jacked !! And use Lifelock … Plus only put initials for your name on card face .bad guys will probably not know your proper name for to sign .
Im in agreement with Rob NS, hang them by the balls. Only time something like that happened to me, someone tried to charge shit on my credit card, got rejected, and BOA cancelled my card. Of course, they didn’t tell me about it until the next day. Im trying to pay for something in a grocery store with it, and it doesn’t go through. I ALWAYS use that card for groceries becasue we spend 300$ every two weeks and I get 2% cash back. I also pay the balance off literally while Im driving out of the parking lot, I don’t think Ive carried a balance on it for more than a week in recent memory. So, Im standing there swiping it, and it gets rejected, and the girl says she is sorry, but the card isn’t going through. I tell her thats impossible, I have zero balance on it, always pay it off, blah blah blah, like every other dead beat says when their card gets declines. I pay for it with another card, and Im pissed, aobut to call BOA and ask WTF? when I get a call in the car, from BOA, telling me what happened. Very minor inconvienence compared to what you guys have been through.
I do have a close friend of mine who had his tax return filed by someone else. He was getting like 6k back, mostly because of mortgage interest deduction and they have two kids, go to file, and the IRS rejects their claim because its already been paid out 2 weeks ago. He said the IRS person told them it will likely take up to a fuckin’ YEAR to get their money back. They will take your ass to court in a hurry if you “owe” them money, but when someone else steals YOUR MONEY from THEM apparently its no big deal. Total mind blower, I know…
Edit: what happened, apparently someone got ahold of my card number and tried charging like 10$ on paypal 3 times, which is what flagged it. They asked what the last legitimate charge was, and I told them, and everything was cleared up, got a new card in the mail a few days later. I asked why someone would bother going through the trouble of stealing someones card info for a 10$ item and she said they typically do that first just to see if the card works, then they run it up as fast as possible.
About 3 months ago I received a call from MasterCard (Credit Union Card) asking if I bought a bunch of train tickets in Finland? I started to laugh, as I am on northern Vancouver Island. Within 5 minutes ‘they’ bought $1500 worth of tickets and several thousand dollars worth of jewelry. The irony is that I just had my total credit card exposure reduced from $23,000 down to $10,000 for just this reason. Plus, the card is for emergencies only as I only use it for gas and pay it off every month.
Anyway, I had to go over every purchase made in the last little while with their security division and they covered all the bogus charges. It required a new card, of course, and worse upon worse a new password. Apparently, crooks can use card readers and scan your info while you walk past. There was no way to discover when I was hacked.
I do banking online and worry my info will one day be hacked. However, I did find out that I will not be responsible for the thefts if this does happen. The Credit Union is pretty good about this stuff, but it doesn’t fix the hassle or concern.
Another piss-off is that every year they raise my credit limits on the card. Plus, they send me info on how I can use my card for vacations and home renos. I had to phone their office to get this reversed.
(Good thing you didn’t come out to meet the intruder/cops with a handgun! Then Mrs Freud would have had to watch the cops get off at trial after shooting you, and that would really have upset her.)
This could easily be modified to be a story on the evils of eliminating cash.
If I had heard the voices of men in my house I would have had a gun in my hand so there is a decent chance that a trigger happy cop would have killed me in your situation.
As I’ve mentioned before, we had our accounts drained twice to the last penny via a Walgreens store in Mehico Shitty, Mehico so we switched to all cash. The great thing about our credit union is that if someone captures our debit card # + pin, the scumbags cannot obtain our address, SSN’s or any other personal info as that info is not tied to our debit card numbers. I guess I’ve never experience true identity theft but death seems appropriate to me.
We maintain two checking/debit accounts in two different credit unions and never leave money in the accounts unless we write a check. I’ll look into locking down our credit/history/reports. I don’t ever intend to open another account for credit of any kind so there is no reason for anyone, including the carbon based wife unit and I, to have access to any of that info.
Stucky
Fred is right, BANK OF FUCKING AMERICA?!!!!! SERIOUSLY?!!!!
Torture them for a month or two first, then hang them by the balls, then shoot them.
And I’ve only had “minor” incidents: Credit card numbers stolen – charges easily reversed; Some packages stolen from our mailbox (not identity theft but if they’d stolen the right mail it could have been); etc.
Happened to me in 2003, apparently from stolen mail.
The perps were rather clever, they stole the routing and account numbers of our checking account and had new checks printed with their names and our banking numbers and went on a spending spree. It was the bank itself that noticed the unusual check writing activity and contacted me early on in the crimewave. I wasn’t held responsible for any of the fraudulent check activity.
They also got a hold of our credit card accounts and charged them up. That was much harder to solve as the cards were Bank of America who doggedly refused to purge the fraudulent charges.
But I had an airtight defense, I had moved overseas just before all the fraud started and I had a stamped passport to prove it. I wasn’t even in the country when it happened.
Still, I had to file a police report in the US town where it occurred and fight the B of A from far eastern Europe. I had to get all new bank accounts and credit cards. It took me a year before the whole thing was finally straightened out.
Back here now in the US, we had 3 different credit cards hacked last year. Neither the CC company nor we knew how it happened as we rarely use the credit cards for anything, mostly just to order things on the internet.
Now I pay for everything in cash.
Just checking back in before off to strain off some fresh bone broth. (yes, Sticky, your article on that was inspired)…
8. Checks have only our initials on them as well as the secure mailing address. All checks are written with a gel pen to preclude them being washed and re-written.
9. Banking over the phone is done by landline only…full cord from microphone to wall jack.
10. No banking apps on cell and no sensitive personal data there either.
11. Credit and debit cards in protective sleeves to avoid ‘scanner theft’.
12. Banking by computer? Not a fan but sometimes necessary. Reqs: secure server, first line of defense (after lonnng password) is PIN, next levels of defense are photo recognition and description read-back by a human followed by security questions with case-sensitive answers. Finally, the only activity authorized is transfer between a set of checking accounts only one of which is card-linked.
Nothing is foolproof but your only other option is having a large wad of cash hanging around.
Da P
“Just checking back in before off to strain off some fresh bone broth. (yes, Sticky, your article on that was inspired)…”
God bless your little heart for taking the time to write that. Recipe articles typically don’t get much response, and sometimes I wonder why I bother ….. and then a happy customer like you comes along that makes it worthwhile …..
You are most welcome, Stucky!
BTW, your ‘Healthy Nutella’ recipe has put me in good stead with quite a number of the fairer sex as well.
Da P
Sticky?
I was inspired by your bone broth recipe..
would you please send it again…I misplaced
the paper, thank you.
Should the banks fail? Really fail? There will
not be any $ in any account.
here ya go, Suzanna
A tip for all of you guys: DO NOT GET A DEBIT CARD!! Im 31 years old, and Ive never had one, never will. Every time I have to talk to one of those people, they try to get me to get their new debit card with different offers, which I always decline. I have an ATM card that a use to get a couple hundred dollars out at a time, only at BOA ATMs, (and yes, I know, fuck BOA, but its such a hassle to move everything away, so Ive stayed thus far. Not happy about it, but such is life…) and other than that it never leaves my wallet. I make large purchases with a credit card, pay the balance off with my phone app, usually as Im leaving the store. My wife gets annoyed with me sometimes, because since Ive gotten us out of debt, Im OBSESSED with have my credit cards read 0.00 balance, so Ill be sitting in the parking lot paying the shit off on my phone.
If someone steals your credit card info, they can put fraudulent charge on it, which your issuer must cover since they are fraudulent. I also never sign mine, or write “check ID” in the signature box, which puts it on the store, since almost no one ever actually checks it. Those charges are typically removed from your account in a day or two. If someone gets ahold of your debit card, they are taking your money out of your checking account, and as stucky can tell you, getting that money returned to you in an entirely different animal than CC fraud. Trust me guys, getting rid of the debit card costs nothing, and as long as you don’t get out of control using your credit card, you won’t run up a balance, and you get cash back.
Another point about only having an ATM card – anonymity. You go get 300$ cash for your regular spending money. Thats what you use for every day purchases. Going into walmart for an item, and swing by the ammo counter and wind up buying a couple boxes? cash. Buying a few mags that may later be banned from the gun shop? Cash. Even things not firearms related can start to build a pattern of your life that you may not want known to others – I sure don’t. I like not leaving a paper trail every where I go.
“Stucky” not Sticky… Sorry about the auto-correct, man!
Kill them and the rest of the criminals who will never be anything but a drain on the rest of society.
No, it has never happened to me. I attribute it to several main reasons:
1. As mentioned by Gator, I do not have a debit or credit card that I use out and about. I have an ATM card that is solely useful for getting cash out of an ATM. It is the only bank card I carry with me. I do have a no-fee prepaid gift card I load every now and then for online purchases, but there’s nothing much to steal there at any given time and the card is left at home.
2. I never sign up for any store discount/rewards cards. I shop at places that don’t use them, get the cashier to type in the store number for me when I do have to swing by a carded grocery store, or type in a fake phone number that’s associated with an account in a fake name that someone I know set up at a number of local stores.
3. I hand-fill and mail in tax documents. When the state DoR and IRS hacks took place over the past couple of years, it was the e-file database that got hit, so I wasn’t affected as was pretty much everyone I know around here, who only weeks after the “free credit monitoring” period ended, had their checking accounts drained.
4. Possibly a weak argument, but nonetheless I use a credit union, not Bank of A-freaking-merica. I’ve never had good relations with BoA when I’ve had to deal with them, I sure as heck won’t have an account open there!
5. No cell phone carried with me anywhere, let alone a “smart” one that is only smart at giving away everything. No wireless or chipped anything, as a matter of fact.
Yeah, it happened to me, just last February. Saw 3 charges on consecutive days (discovered when viewing my online statement on the 4th day). I’m pretty sure my card was skimmed at a Five Guys burger joint. I don’t use that card often but that was the last it was used, which was about 2 months prior to the fraudulent charges. I can’t prove that’s where it was skimmed, but they take your card and run it themselves. And the counter is high so someone could have easily flashed it through a skimmer before running it through the real card reader on the cash register without me noticing.
Anyway, I think my card number was sold on the internet. First charge was at a resort in Florida for about $6,000. Second charge was in California at an acupuncture doctor’s office for $2500, and the 3rd was an attempt in Hawaii, but that one was denied. I was able to contact the first two and neither one asked for an ID when they took the credit card number (they didn’t use a fake physical card–just gave the CC number and security code). Filed police reports in both local police districts, plus the one where I live. Both businesses had e-mails from the perps but could not be traced.
Apparently it was two separate, unrelated criminals. Never brought to justice.
All charges were reversed. I talked with both businesses and they were cooperative. But that acupuncture doctor was a real dumbass. He allowed unrelated charges to be made by a “patient” who asked for a $1000 driver charge and another $1000 transfer to their bank account (which was immediately closed and couldn’t be traced). You’d think it would raise a red flag!
I talked to the Five Guys manager and explained what happened, but did not accuse him or his restaurant outright since I had no proof. But I strongly suspect that’s where it started. Since it was tax filing season, I was really worried someone was going to try to file for a refund on my SSN, but there was no indication it was compromised. Thank God for that, as I had a really big refund this year due to a depreciation deduction on a real estate sale.
The only time it happened to me, I called the credit company and had it investigated when an 800 dollar charge for tires showed up on my Visa bill. In California. And, a string of gas purchases between Oklahoma and California mapped out the path whomever took with my card number.
The company investigated and discovered that I had purchased the tires myself.
After sending them official copies of my ORDERS that proved I was in Saudi Arabia on Air Force duty during the week the trip to California to purchase tires, they forgave the charge and I cancelled the card.
Many years ago some numb-nut stole my new VISA out of the mails. I caught it fairly quickly, easy to prove I’d never been to wherever, charges cancelled and card cancelled. Nowadays they are better about it; I’ve had AmEx call me when I charged something to verify it was me, VISA not so much but one card is fairly well protected / rarely used, the other is local and only used locally. So far so good.
In terms of protection,
(1) Use those sleeves to keep walk-by readers from reading you (on your passport too)
(2) Try to keep them as idle as practical
(3) Consider doing all your purchases online and out of town on a rechargeable gift card: you can only lose what’s left on the card, and if it is not compromised, you can load it up again.
Sticky
What happened to them pictorials yer did back uh year ago. Cuz that was edifying ter read, whereass the bullshit posting above, even if it tweren’t hyperbolized out the anus, is super dumb and boring. It suffers from the same enui as Admenstruater’s last constipated 30 blocks mongreloidish retardation. Maybe we need ter all recognize that a little thought and creativity needs ter be rammed inter the bunghole of this site er we might as well spend our time on TMZ. I know yer uh super tall goober but yer caint use that as uh excuse fer ever gawd dammed turd yer present ter the wide world. Git yer shit tergether yer nordic goon, yer wastin mah time.
Billah, yer a reely nice guy and ah considuh yer tah be ah friend, even tho ya done said sum unseemly thangs above. I’m gonner take yer advice and do anuther pic essay —“animals ah dun fuked aftah ah met mah wife”.
Not dat ah blame you fer havin relashuns with yer billygoat seein’ how ur wife likes havin sex with watahmelons.
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BW, I appreciate Stucky’s human interest stories. That fucker should compile and sell the shit, ee cummings aint coming back and James Thurber is long forgotten but he wrote the same kind of stuff Stucky does.
Might call it the ‘Murica Chronicles (I liked the Martian Chronicles).
Ok, so inquiring minds want to know. Who was the douchebag at the bank who said your wife was suicidal and called the police? I think that would piss me off more than the identity theft.
@Heff, yes, that key part of the otherwise good story was left out…
Stucky, please give us Part II, where you and the Mrs. ream out the Bankster’s ass.
Rise Up / Heff
Part 2 is even more boring (according to BW) than part one.
1. The police — even if they know — will not release the name of the caller.
2. The bank “investigation” yielded nothing. No one admitted to anything … and they can’t (or simply refuse) to look at outgoing calls on their phone logs. They spent more time trying to convince Ms Freud to not close all her accounts than they did talking about what happened. Fuck BOA.
Twice,Once in Sun City by Phoenix i bought stuff at a thrift store and afterwards someone had used my card to buy electronics.The other time my CC company called and asked me if i had paid an electric bill in Indonesia with my card. Hang em!
What’s that called ….something bias.. what’s the word?
you know like when you are in a trance , you see the truf but fail to react , like dear caught in the head lights! MAN! What’s it called ? Normal bias, Normalcy bias!