We have gotten all but the IRS. Usually we just hang up. One time when the fellow said Windows I said, well I have a Mac. (Which I really do) He hung up. We are most bothered by the recorded Rachel from Cardholder services. There is nothing wrong with your account, blah blah blah. We gave up the house phone when we moved and she has found us on the cell. We normally don't answer but sometimes forget.