- Outside, Phil passes a homeless man and makes a show of looking for change without actually making any effort.
- A random man in the street calls the name "Phil" and runs up to him. The guy's name is Ned Ryerson and he went to high school with Phil. But Phil has no clue who he is.
- Ned is an insurance salesman and he tries to sell Phil life insurance. But Phil openly says he has no interest talking to Ned.
- Ned doesn't take the hint and walks alongside Phil. Phil pulls away from Ned and steps into a deep ice puddle. Ned happily shouts from behind him, "Watch out for that first step. It's a doozie!"