I went through google's recovery wizard (leaving a screen message etc) and noted that the phone had been turned off. Not good. So I requested a remote erase.
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I was just figuring out how to get a loss claim started when there was a knock on the door. A kindly Indian gentleman returned my phone and said I'd left it on the bench. I didn't get into the why's and wherefores of it being turned off (the phone warned an unauthorized reset had been attempted) but I'm glad I got it back. I assumed it was a goner.
@sullybiker It's good that it all has ended well. :)
@SeventhMagpie yes I am pleased I did not have to pay out on a claim.
@SeventhMagpie I am not lucky with Samsung phones...
I'm angry at my absentmindedness. It's nobody's fault but mine, but I'm sure anyone with kids and stuff in both hands can relate to the dangers of near total distraction.