Technologies

Gift card scams are growing, and we’re all paying the price

Every year, scammers trick Americans into handing over millions of dollars in gift card payments. Retailers aren’t doing much about it.

The scams start out innocently enough.

Maybe a phone call from someone who says he works for Amazon, claiming he noticed someone hacked into your account. Maybe someone who says she works for Microsoft, offering a refund for a computer security service you bought a few years ago that stopped working.

Lisa Hernandez was trying to reach Match.com, the dating site, to cancel her account when it happened to her. The 50-year-old single mother of four had signed up for the service but decided she didn’t want to stay with it.

She searched on Google for a customer service number to call. What she found instead was a fake website, built to look legitimate but with a phone number that connected her to a scammer posing as Match customer service. Kevin, the man on the other end of the line, said he could help. First, though, he told her she needed to install a program called TeamViewer, which allowed him remote control of her computer.

He then directed Hernandez to log into her bank’s website. «We’re going to directly refund you your money,» he promised and asked her to fill out a computer-generated form for her refund of $93. Instead, Kevin set his scam in motion by manipulating the code on her computer to make it look like he had deposited $9,000 into her bank account instead, effectively doubling her savings.

The only way to fix the mistake, he told her, was to buy gift cards with the extra money she’d received and give him the numbers. Then he could put the money back into Match’s bank accounts and all would be settled. «I need you to go to the store to get Target cards,» she remembers him saying. Otherwise, he’d lose his job. She did as he asked, giving him nearly $9,000 worth of gift cards.

Moments just like this happen to tens of millions of Americans every year. While it’s easy to assume most victims are elderly, surveys suggest it’s much broader. Victims are old and young, rich and poor. Some people get scammed multiple times. Some victims have family members who fight fraud for a living. It’s struck my family. Likely, it’s happened to yours, too.

When you think of computer crimes, identity theft usually comes first to mind. That’s because it cost Americans a staggering $56 billion last year, according to Javelin Strategy and Research. But it tends to feel more like an inconvenience than theft, because you usually get your money back thanks to a nearly half-century-old law designed to protect consumers from any «unauthorized» credit charges. The fees we pay help cover the losses to that fraud. But it’s different with gift cards — they have no such legal protections. When a victim shares the card number with a scammer, they’ve effectively authorized its use. Even identity fraud insurance, which would cover ID theft in the case of a data breach, often doesn’t apply when you’ve given the information willingly.

«If someone coerces you, then you’re out of luck,» said Kathy Stokes, director of fraud prevention programs at AARP.

It’s impossible to fathom how much money these scammers have taken. Many victims don’t report the crime to authorities, often because they’re embarrassed and quickly learn the hard truth that they’re unlikely to get their money back. So when the Federal Trade Commission counted more than $245 million in money lost to gift card scams since 2018, most experts said the actual number is likely many multiples worse than that.

«This is only the tip of the iceberg,» said John Breyault, vice president for public policy, telecommunications and fraud at the National Consumers League.

The anecdotal data suggests he’s right. The FBI’s Internet Crime Complaint Center, for example, said it receives more than 2,000 complaints each day about all sorts of internet scams, from fraudulent business impersonation to fake romances to gift card scams. All told, the FBI tallied $4.2 billion in fraud losses reported by victims last year.

Some stores put up signs next to gift card racks and checkout counters warning about fraud. Others say they’re training employees to spot potential victims. But they aren’t doing much else. «The business incentive in the gift card space is for these cards to be used with as little friction as possible,» Breyault said. «They don’t want to get into the way of someone buying a gift card and buying a Coke on the way out.»

From gift to fraud

The gift card industry is already larger than the gross domestic product of all but a handful of countries. It’s still growing, too, and surveys suggest its use is pretty evenly split along racial, gender and economic lines.

By 2027, gift card spending is expected to reach $2.7 trillion — topping all but the US, China, Japan, Germany and the UK. That’s already up from $1 trillion in 2020 when the COVID-19 pandemic supercharged consumer spending, according to Research and Markets. And this year, as a congested global supply chain is causing a shortage of some popular gifts, more than one in five people plan to use gift cards when shopping during the holidays, according to a YouGov survey commissioned by CNET parent company Red Ventures.

Retailers love gift cards, too. They get to hold onto any money we don’t spend for years, industry experts say. And when we do use up our gift cards, we tend to buy things more expensive than the gift card can cover, a term some companies internally call «up-spend.» So retailers try to make gift cards as easy to buy as they can. You can find all manner of gift cards for all sorts of things at drug stores, convenience shops and grocery chains.

After reading the FTC’s data last year, Stokes at AARP set out to take on gift card scams. In April, the organization began a three-year program to throw its educational and marketing weight behind the problem, and for good reason. One study it commissioned found that a quarter of US adults were unsure whether it’s a sign of a scam for a business to ask for payment in gift cards, something no legitimate business would do. AARP also built up parts of its website, Fraud Watch Network, publishing articles about the scams and examples of the scripts they use, and it expanded its fraud hotline with hopes of helping victims spot a scam as it’s happening.

So far, things haven’t gone as she’d hoped. «We thought it would be an easy message,» she said. But it turns out most of the people who end up coming to AARP for help do so after they’ve been scammed.

People like Hernandez. She got in touch after she was scammed in August. Though she’s accepted that the money’s mostly gone, she can’t shake how violating the whole experience was. As a nurse in the San Francisco Bay Area, Hernandez built her career on trust. She works a second job as a caregiver too, where she’s regularly given her client’s bank card to withdraw money from an account or buy stuff from the store. «I would never think of taking from them,» Hernandez says. «I would never betray that.»

Which is maybe why she trusted Kevin, who was begging her to buy gift cards. Hernandez spent $3,500 on seven Target cards, then withdrew another $5,000 to buy more. As she gave him the card numbers, Kevin told her not to look at her bank account for a couple days. She did anyway and found that the extra money he’d manipulated the bank webpage to show in her account was gone. Instead, she had just about $500 balance left.

Kevin called her again, saying one of the $500 cards didn’t go through. When she began to ask questions, one of Kevin’s colleagues got on the phone and began yelling at her. As they kept demanding Hernandez get more gift cards, the horrible realization dawned on her. «I said, ‘You just took my money.'»

New twist

The confidence game, as some call it, has been around since ancient times. Con artists are even in the Bible where they’re referred to as false prophets, «who come to you in sheep’s clothing, but inwardly they are ravening wolves.» Scammers are the reason we all bristle about snake oil, the fake cure-all elixir sold in the 18th century and 19th century, born from supposedly old Chinese medicinal techniques.

To be successful, a con artist typically needs to be charismatic, quick-witted and intelligent. After all, they have to be good at gaining people’s confidence.

«It exploits people’s trust,» Cathy Scott, a true crime author, wrote in Psychology Today. «Even the most rational people have proven susceptible to crimes of trickery.»

The internet’s anonymity and quick communication helped to supercharge fraud. Gift card scammers can come from all over the world, too. All they need is a mic and an easily downloaded phone app installed on their computer. The phone app hides their location behind a toll-free number or a seemingly local US one.

The scam that victimized Hernandez isn’t the only one out there. A scammer might pretend to be an FBI agent, calling with a warrant for your arrest. They might pose as an IRS agent threatening to cancel your Social Security number for some offense of which you’re innocent. In those schemes, the only way to stop the police supposedly coming to your door is with the help of another scammer who pretends to be a lawyer, conveniently a phone call away, who takes payment in gift cards.

Sometimes the scammers pretend to be tech support, calling to repair your printer. Or they say your internet is hacked and then get you to install screen-sharing software like TeamViewer or AnyDesk to show technical gobbledygook that they say is proof the hackers have taken over. You just need to buy security, they say, with gift cards.

«Scammers know if they make it emotional and create this sense of urgency and fear, the logical part of your brain disconnects and the fight-or-flight kicks in — which is great for protecting you, but it’s terrible at making decisions,» said Eva Velasquez, head of the nonprofit Identity Theft Resource Center, and a former law enforcement investigator of economic and financial crimes.

Her team’s research found that if you can interrupt that emotional response, the logical side has a chance to kick in. That’s partly why retailers have put signs up at gift card racks, warning about potential fraud. «Have you been asked to buy gift cards to pay a fine, taxes, fees or to help someone?» one sign at a Giant grocery store in Maryland reads. «Never provide numbers to ANYONE over the phone or by email.»

Still, Velasquez said, scams of all sorts have become even more prevalent during the pandemic. «It’s been growing and growing, and the explosion over the last 18 months is unprecedented,» she said. «It’s going to take at least a decade to unwind and get to the bottom of how big a problem it is.»

Trust betrayed

One of the first things Mark told me when recounting his experience being scammed was how bad it made him feel. It had only happened a few weeks earlier, in October, and it still stung. He requested his full name be withheld to avoid embarrassment with his family.

The call from the scammers started out seemingly normal. The person calling claimed to be from Amazon, concerned about a rogue $750 purchase with his credit card.

The person on the other end of the phone claimed Amazon had already stopped the supposed charge but asked Mark to buy gift cards that they could use as bait to track down scammers. Once all the scammers were caught, Mark was told, they’d give the gift cards back.

«Dumb me, I believed that,» he said.

Mark is in his 70s and retired after a successful career as crew for some of the most memorable summer blockbuster films from the 1990s. But he says he’s not computer savvy. «I have trouble getting along on it,» he said. «I mostly use it to play puzzles and stuff.»

At first, the scammers asked Mark to buy $3,000 in gift cards from Target and Apple. If a store employee asked why he was spending so much money, the scammers told him to say the cards were gifts for a party.

Retailers have a blind spot for situations like Mark’s. The companies have sophisticated software and entire teams devoted to detecting customers who are trying to scam them. But when a customer comes in, buying gift cards, «the retailers are learning it’s very difficult to track,» said David Fletcher, senior vice president at ClearSale, which helps detect fraud at the online stores of more than 4,000 merchants, including Motorola, Under Armour and Bath & Body Works.

That’s why some retailers train employees to ask probing questions at checkout. Best Buy, in a statement, said it’s also added warning signs to gift card displays and checkout counters. Its systems flash a warning on the credit card reader screen when customers purchase gift cards above a certain limit.

But it still isn’t enough. Fletcher himself became a victim when scammers emptied a $100 gift card his mother had bought for the fishing store Bass Pro Shops. He suspects scammers took photos of the account codes on the back of cards while they were still on the rack and waited until they were activated.

«Gift cards are so hard to trace back to fraudsters,» he said.

Not that any of the questions the clerk asked Mark made any difference.

At his first stop, the teller would only let him buy a couple cards, at $500 each. «It was kind of a surprise,» he said of the limit. In retrospect, he appreciates it now.

But the scammers convinced Mark to go to more stores. Mark remembers checkout clerks asking what the cards were for a couple times. The scammers kept asking Mark for more money until he became suspicious and checked the value on the Target cards he had purchased. That’s when he learned most of the money was gone.

When Mark contacted the police, they took down his information but didn’t ask for the phone numbers the scammers called from. Experts say it’s nearly impossible to track fraudsters through their numbers anyway. Instead, the police suggested Mark contact AARP for support and also to help guide him through reporting and other things to do. His bank, from which he’d ultimately withdrawn $5,000, declined to refund his losses.

«I feel so stupid about the whole thing,» he said.

Like Hernandez, the nurse, Mark hopes that sharing his story will help people learn some of the tricks the scammers use and avoid the same mistakes he made.

While Mark said his savings are enough to cover the losses he suffered, the fraudsters made off with nearly all of Hernandez’s money. And she gave up getting a refund from Match too.

«It’s tough and embarrassing, and I feel kind of dumb,» Hernandez said, adding that she tends to keep the tough things that happen in her life to herself, though eventually she did tell some details to her kids. «I had to go and pray a lot.»

She also decided she’s going to stay away from dating for now. But she did have one last confrontation with Kevin, who promised to make it better.

Hernandez was desperate to get her money back, but she was also upset. «I don’t know how you can do this to people,» she remembers saying. Kevin asked for her address and ended the conversation saying he’d send her the money in the mail. She hoped his conscience might have changed him.

She hasn’t heard from Kevin since.

The story continues Friday, when we look at efforts to fight back at the scammers.

Technologies

The Agony and the Ecstasy of Endless Gaming Crossovers

In navigating my own love-hate relationship with this phenomenon, I talked to some of the devs behind them to get a better sense of how these crossovers work and why companies pursue them.

When my friends want to play Magic: The Gathering, I wade through my two-dozen or so decks built for Commander — the card game’s casual, multiplayer format. I might choose the deck built around Elenda, the Dusk Rose, a vampire saint who can create legions of vampires. Maybe I’ll take my Narset, Enlightened master deck, which lets me cast powerful spells for free when she attacks. Both Elenda and Narset are original characters from Magic: The Gathering.

Or maybe I’ll grab my Lightning, Army of One deck, constructed around the Final Fantasy 13 character, so I can attack people for absurdly high amounts of damage. Maybe my Godzilla deck will engage in glorious combat against my friends’ decks led by characters from Dracula or Warhammer 40K. Would Eowyn from Lord of the Rings be a better match-up against the forces of the Imperium?

It’s a double-edged sword, this impulse toward crossovers. And it’s happening in games far beyond Magic: The Gathering.

Overwatch featured skins from Persona 5 in September, Halo armor and weapons showed up in Helldivers 2, and edgy looter shooter Borderlands 4 is showing up in… golf game PGA Tour 2K25. The crossover crown lies eternally with Fortnite, thanks to its never-ending influx of skins from games, movies, comics and real-life celebrities — leading players using the Sabrina Carpenter skin to stop shooting each other and, say, hold impromptu concerts instead.

When the elements fit each other are handled with care, it’s a fun way for fans to engage with multiple interests simultaneously. But when it feels carelessly thrown-together or when the elements don’t mesh, it can feel like a cash grab that hollows out the original property. And what works for one player might feel egregious or immersion-breaking to another.

«Am I the problem?» I ask myself, as I work on a fourth Magic deck built around a Final Fantasy character, after spending hundreds of dollars on cards and accessories from the set.

I do realize that the money I spent on the release event and weekly drafts screamed to Hasbro, «It’s working!» At the same time, playing with cards from that Final Fantasy set was also the most fun I’ve had with Magic in several years.

Corporations betting big on brand crossovers feels like the unavoidable consequence of a world in which players look more and more for customization and ways to show off their personalities and interests, which dovetails with companies looking for lucrative ways to attract new players and increase revenue in ongoing games. Is other media filtering into popular games about the joy of including familiar faces, or does it turn characters into digital bumper stickers, starved of their identity from their original context?

The answer, like it or not, is both.

Money is a big part of the motivation, but expanding reach and offering customization also factor in

Blending different properties together generally requires an intense collaboration between the property owners and the game inviting the crossover. So what makes these gaming collaborations worth it for those parties?

There’s a financial incentive, to be certain, as Hasbro has made astonishingly clear. In its second-quarter 2025 earnings call, CEO Chris Cox noted that Magic: The Gathering’s Final Fantasy set made $200 million in revenue in one day, while it took the Lord of the Rings set six months to hit that milestone. To put those two collaborations in the context of original Magic: The Gathering sets, the bestselling Magic set before Lord of the Rings was Modern Horizons, which made $200 million over two years.

Admittedly, $200 million in 24 hours is performance that Magic: The Gathering will likely struggle to replicate, even with the overabundance of outside properties coming next year: Teenage Mutant Ninja Turtles, The Hobbit, Star Trek and Marvel. Still, Cox said the company feels good about the collaborations set to launch next year in terms of pleasing players and bringing in revenue. And Final Fantasy ultimately points to the financial power of a good gaming crossover, one where the properties are handled thoughtfully and intentionally (even if some of that intention is making the collaboration more collectible).

To better understand how and why these crossovers happen, I talked with some of the people powering these gaming collaborations.

There were «a lot of clues» both internally and externally that Magic could support these kinds of crossovers in the game, said Aaron Forsythe, Magic: The Gathering’s vice president of research and development.

Sets like Lord of the Rings and Final Fantasy can also help funnel new players into a game that has been around since 1993.

«With Final Fantasy, we have seen a marked increase in play participation, especially among players who haven’t previously participated in our Organized Play programs,» said Rebecca Shepard, the vice president of franchise for Magic: The Gathering. That participation also extends after the launch of sets based on the other properties, which Magic brands Universes Beyond.

She noted that Universes Beyond releases also lead to increased interest in older products, demonstrating the crossovers’ ability to drive interest in the game’s original creations.

Magic’s designers have spent decades creating multiple in-game worlds or «planes» with their own lore, characters and mechanics. To a certain degree, crossovers are baked into its premise.

But what about something with a considerably smaller scope, like the hero shooter Overwatch 2? The team-based game is set in nearish future Earth, where other Blizzard games like Diablo and Starcraft are minimal parts of the world as references and outfits. But aside from a small Lego crossover, other external properties were mostly only winked at… until the game introduced skins from the popular manga and anime One-Punch Man back in 2023.

The game’s collaborations started out as infrequent events, but now show up roughly every season.

The Overwatch team was nervous for its first collaboration and took a cautious approach, said Aimee Dennett, Overwatch’s associate director of product management. Devs wanted to ensure that heroes were still recognizably Overwatch characters while also maintaining the integrity of the game’s lore. The solution was described as «our characters are cosplaying,» meaning that the Overwatch heroes maintain the iconic parts of their visual identity, while incorporating elements that are recognizable as the characters from the crossover properties.

There are also internal motivations for these opportunities.

«We’ve found that it has such a positive effect on the team,» said Overwatch’s Art Director, Dion Rogers. People who work on the game are also fans of these properties, and the opportunity to design those crossovers can be a creative spark for the developers.

Fortnite didn’t start the party, but it did invite basically everyone

Fortnite is the de facto example of crossovers in gaming. It represents an astonishing evolution of a concept that kicked off decades ago.

Video game publishers were firmly protective of their properties to keep their games unique, but gaming website Giant Bomb asserts that crossovers started in earnest with 1992’s Battle Soccer, where Godzilla could take the pitch against giant mech Gundams and superheroes from Japanese TV. A few years later, Marvel’s X-Men faced off against Street Fighter characters in a move that would eventually spawn the Marvel vs. Capcom series of fighting games.

Crossovers ramped up in the 2000s with Sonic the Hedgehog and Solid Snake as the first two characters not owned by Nintendo to show up in Smash Bros. Brawl, a few years before horror movie villain Freddy Krueger first appeared in a Mortal Kombat game. Thematically, these all make some sense — but Fortnite took crossovers to another level.

The crossovers started with the Infinity Gauntlet limited-time mode, where players could transform into Thanos, the villain of the 2019 film Avengers: Infinity War. It was quickly followed by the first Marvel-themed skins for Black Widow and Star-Lord that any player could wear. That kicked off a wave of Fortnite crossovers that would grow beyond Marvel to also include DC Comics, Star Wars, celebrities and various other games.

More have followed in Fortnite’s wake. The jump to include characters from other media besides video games has proven popular, with games like Mortal Kombat bringing in the villainous superhuman Homelander from The Boys, and the asymmetrical PVP horror game Dead by Daylight leaning heavily into killers and survivors from various games and movies — and also Nicolas Cage as himself, delivering some truly amazing voice lines.

Still, when it comes to bringing in everything from everywhere, nothing tops Fortnite, where crossover events feel less like guest stars and more like the first stop for major franchise promotion. And the cumulative results are, for lack of a better word, bonkers. Now a squad of Ariana Grande, Billie Eilish, Lady Gaga and Sabrina Carpenter can face off against a squad made up of Darth Vader, the Joker, Thanos and Mortal Kombat’s Sub-Zero… and then perform *NSYNC’s Bye Bye Bye dance on the villains’ corpses.

Epic Games, the makers of Fortnite, declined to comment for this story.

Convenience and customization… at a cost

While crossovers with other properties help bring revenue and new players into games, they also risk alienating players whose primary interest is in their games’ original concepts and who may feel the crossovers move the game away from its identity.

«We listen and learn more than folks realize but at the same time, our goal of making Magic for everyone — because it is — can also frustrate our existing players,» said Shepard in response to a question about the feedback to Universes Beyond and the seemingly polarized responses online.

You can see that frustration in videos from prominent Magic creators, with titles like «The Problems With Universes Beyond — Even if You’re NOT a Hater» and «Half of Magic: The Gathering Will Not Be Magic: The Gathering.» The discussions in those videos touch on multiple elements, but center around the proportion of and execution of Universes Beyond sets and how those sets do or don’t gel with the rest of the game.

That tension exists with most gaming crossovers. I wasn’t initially a fan of Overwatch’s move into collaborations. For me, the image of Doomfist in a yellow suit and flowing cape cheapened a character who’s supposed to be a surly big bad in the Overwatch universe. To me, it felt tonally mismatched with his identity, and I feared Overwatch feeling less like Overwatch as a result.

But the response I saw was largely positive. A change being celebrated doesn’t mean it’s necessarily good for the game, nor does outcry mean a change is bad. But there were clearly people who wanted the customization and expression of anime skins, highlighting the tension inherent in gaming collaborations like this.

Magic’s Aaron Forsythe acknowledged the competing interests, saying, «Players that have been with us for a while don’t feel the need for a change of this magnitude, and I appreciate how this hits them. But we’re doing this both because we want to grow the game — and we are — and because we think it’s another really fun way to enjoy it.»

For longstanding fans who have played the game for years, perhaps even decades, it may feel like the resources for the game’s original ideas are being diverted to fuel crossovers.

There are degrees, though. In the case of Magic: The Gathering, one-time Secret Lair drops like Sonic the Hedgehog that mostly show up in casual multiplayer formats may not seem as disruptive. But over the course of next year, Magic will release four more sets based on outside properties, bringing the total to seven such sets in two years. More than any individual card or set, that density of outside properties might feel particularly unwelcome, contributing to the feeling that it’s just Fortnite now.

Everyone is here (and here to stay)

I think a lot of the response to crossovers comes down to two things: how well the concept fits and how good the execution is. Fortnite itself has become a conglomeration of various game types — from Battle Royale to Lego to Ballistic, festivals and Creative modes — so the game featuring skins from all kinds of movies, games and celebrities sort of fits into that «everything for everyone» idea.

Something like Dead by Daylight is an example of using crossovers with a narrower focus, incorporating horror icons that fit its gameplay and lore. Resident Evil characters trying to escape from Halloween’s Michael Myers doesn’t make total sense, but there’s enough of an internal logic in the genres of slasher films and survival horror games for it to work.

And, despite my initial reservations about Overwatch’s collaborations, I was immediately enthralled when I saw Kiriko’s Suki skin from Avatar: The Last Airbender. In addition to giving me a new outlet for my favorite character from the show, it just fit the visual identity and the concept of the Overwatch hero, a protector in her own right.

The people behind the games acknowledge how much that matters. «If we don’t do this right,» Overwatch’s Rogers told me, «the fans will call us out.» Players have their own ideas of what fits and what doesn’t, and they aren’t shy about voicing those feelings. But Rogers said that getting it right instead helps maintain the identity of the game’s heroes.

Similarly, Magic’s Shepard said one step in the process of evaluating potential crossovers is feeling out whether it feels like «an authentic relationship» for the game and its players. The challenge, however, is that each player’s mileage will vary when it comes to that authenticity.

There’s no putting these crossovers back in the box, for better and worse. We’ll continue to have more options to play as our favorite characters across a variety of games. Right now, if I wanted to, I could fire up Street Fighter 6 and play a game as Chun-Li in the context of her original series. I could then swap over to Fortnite and run around sniping people as Chun-Li before logging into Overwatch and playing as Juno in her Chun-Li skin, healing people with a Martian mediblaster. And then over the weekend, I could play Magic: The Gathering with my friends and pull out a deck built around a Chun-Li character card.

For Chun-Li superfans, that’s great. At the same time, my Magic opponents may be sick of playing against characters from Stranger Things, Jurassic Park and Marvel, which might break the immersion of the game for them.

The demand is there and the complaints are valid. Companies will follow the money. But each game’s developers have to find their own way of squaring the crossover — justifying (or not) how another creative world collides with theirs.

For Overwatch’s Dennett, as the game grows and changes, so does the team’s philosophy about collaborations — because pushing the boundaries of what’s possible in the hero shooter sparks the imaginations of its player base.

«It’s sort of a self-reinforcing cycle, where our players grow and change so much, and so do the types of collaborations, and the types of collaborations change, which grows and changes our players.»

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Technologies

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Technologies

Today’s NYT Mini Crossword Answers for Friday, Nov. 21

Here are the answers for The New York Times Mini Crossword for Nov. 21.

Looking for the most recent Mini Crossword answer? Click here for today’s Mini Crossword hints, as well as our daily answers and hints for The New York Times Wordle, Strands, Connections and Connections: Sports Edition puzzles.

Need some help with today’s Mini Crossword? It’s not too tough today, but read on for the answers. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

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Read more: Tips and Tricks for Solving The New York Times Mini Crossword

Let’s get to those Mini Crossword clues and answers.