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The wedding saga gave Phil some backlash, his contributions dropped later that Spring. That was also around the time Phil's chat shifted from a...

My guess is they have more trust in numbers. Even if it was identity theft, as phil claims, how could he let it go on so long if he's desperate...

When you compare them to the champions reveal, the bank leaks had receipts that Phil couldn't deny. In fact it proved that Phil was lying to them...