SHOWDOWN: Chargers Seek REVENGE Against Jaguars in CRUCIAL Playoff Battle in Crowded AFC Race

SHOWDOWN: Chargers Seek REVENGE Against Jaguars in CRUCIAL Playoff Battle in Crowded AFC Race

The Chargers and the Jaguars will do battle with a playoff birth at stake. And this Justin Herbert and Trevor Lawrence stuff has to stop. All that comparison, we’re going to talk about it here on a crossover presented by Prize Picks with the Chargers and the Jaguars. You are Locked on NFL Crossover, part of the Locked On podcast network. Your team every day. That is a fact. It is your team every day, y’all. I am Tony Wiggins. He is David Drogmire. And we are a part of the Locked On Network. Now, the number one sports podcast network representing the Locked on Jaguars and Locked on Charges. That’s right. It is the crossover edition presented by Prize Picks here on Thursday all across the locked on podcast network. And what we need you to do is download the Prize Picks app today and use the code locked on NFL to get $50 in lineups after you play your first $5 lineup. Shout out to the everydayers of both of these podcast. These cities have a lot in common. Uh it used to be when uh the Chargers were in San Diego, they were just alike, right? Because they had Navy Towns. But now y’all in LA and y’all ain’t got much in common with us no more days. Uh David and I are going to run through it for you. I’m going to give you a little bit of a road map of where we’re going to go. We’re going to end the end the show talking about game predictions, then the winning formula right before that. Right smack in the middle, gamechanging matchups and biggest storylines before that. David, it’s all about the playoffs right now. Both teams are chasing. Don’t look like they’re gonna win the division, but both of them look like they’re in a pretty good spot today to make the wild card. Yeah, absolutely. The the both these teams are trying to vive for extra games, right? And I think for the Chargers at least, they’re only one game back of the Denver Broncos and also have won all three of their first AFC West matchups. So, if they’re able to win this game and they’re able to keep pace, there’s going to be some cannibalization that takes place with the Broncos and the Kansas City Chiefs who are playing on Sunday. So, this is a very, very big matchup for the Chargers because if they win and Kansas City takes care of business, then the Chargers will sit at top of the AFC West. Oo. And then the Jaguars are now three games behind the Indianapolis Colts because they blew a 19-point lead last week against the Houston Texans. They were sitting in a real real nice spot two games back and they haven’t played the Colts at all. So, they were in control of their own destiny. They’re going to need a little luck now, but as of this point at five and four, they’re really just trying to make sure that they keep up uh through a tough uh stretch in their schedule. And then they’ve been banged up, man. As y’all know, the big news, Travis Hunter is gone for the season. Had season ending surgery from an LCL. Yeah, it was a non-cont injury, man. And he had just really gotten it together. You guys have had your share of injuries, too. Losing two allw world tackles to really really stretch your depth on the offensive line. Yeah, Tony, it’s been a big big issue for the Chargers. One that, you know, no team would want to deal with. Obviously, every team in the NFL deals with injuries. Nobody cares. Nobody’s going to feel bad for you. It is what it is. But it seems like the severity of the injuries that the Chargers have had to deal with has been pretty disgusting. I mean, you lose not not only your, you know, your all-star all world left tackle before the season even starts, but then you have your other tackle, Joe Alt, who was playing right side, kick over to left side, look fantastic at it, and then he goes down and he’s done for the season. And so the Chargers offensive line, the interior’s always been an issue. uh we always thought, okay, well, we can kind of get through it because we have both of those allars on the outsides. Well, that’s no longer the case. So, the Chargers have to figure it out and have to go out there and put their fourth, fifth, sixth string tackles out there. And it’s definitely been the reason why Justin Herbert has been constantly abused all season long. It’s been rough for him, but even through that, he’s been able to make plays and still has this team looking really strong at seven and three. I’m going to get back to him in a minute because y’all are also uh testing your depth at running back. You don’t like running back three right now. Omaran Hampton, of course, I had him on my fantasy team. That’s why I know this without even checking the information, but he he’s out for a little while. And Naj Harris, he got hurt and banged up. He’s gone. So, now they’re on a third guy, and you got to tell me his name because I’m being jokey here, but I don’t really know who he is. Uh, but the thing is is they’re still finding a way to do the things that Jim Harbaugh wants to do in the running game. Yeah, his name is Kaani Videl and he he is a uh, you know, sixth round draft pick from last season. And yeah, I mean, like like I said before, the injuries have been massive and it’s just been the importance of the injuries and and as far as Amarian Hampton is concerned, he’s probably not going to make make it back this week, but the Chargers have their by-week after this week and coach Harbaugh said pretty much the plan all along was to get him that full kind of maximum amount of rest through the by-week, activate his window at the start of it, and hopefully get him going for the last, you know, back stretch of this season where you’re going to see some really tough opponents uh like the Eagles and the Kansas City Chiefs and the Denver Broncos late in the season. So, that’s definitely a part where you want to have, you know, your rookie, you know, bruising running back, a guy that can really make a difference. But Kamani Videll has really held the line. you know, he’s done an excellent job of being able to allow the offense to be productive and not be onedimensional because, as you know, it’s a lot easier to play defense against a team that can only do one or the other. When you have the element of both elements of being able to run it and pass it, then you can control the clock, you can control the down and distance, you can hit the play action game, and it actually can be deceptive. So Kimmani Videll being able to provide some quality play on the ground has made a huge difference for this Chargers offense with the offensive line being in the shape that it’s in. Sounds like that. Let me I got to turn to the quarterbacks real quick because I joked and talked about um th those dudes often being compared to each other. I’m going to tell you I think Trevor Lawrence gets the worst of the the chatter when it you know when these quarterbacks are mentioned. And I and I’m going to be honest with you. I think Justin Herbert kind of gets away with it a little bit because for people that talk about Lamar Jackson as if he has done absolutely nothing in the playoffs. They don’t give Justin Herbert that same kind of smoke. And to be honest, he hasn’t done anything in the playoffs. Tony, that’s you in your bubble, my friend. Believe me, he gets all the smoke in the world because Okay, like the talent is undeniable for Justin. We know that he can make every throw on the field. He right now is second in passing yards, number one in rushing yards in in the league for a quarterback. Like he’s throwing up all of the big stats like he does every year. But it’s not going to change until he erases the horrible losses that he has had in the playoffs, obviously being one of them against the uh disgusting Jacksonville Jaguars game that all Charger fans would like to wipe from their memory. But there are still some me, you know, members of that team that are still on the team now. Obviously, Justin Herbert being one of them. And you better believe they’ve had this game circled on the calendar. This is absolutely a revenge game. They want to get that lick back. It’s not going to mean the same because it’s the regular season. But for Justin Herbert to change the stigma about him, he does have to do it in the postseason. He’s got to change that record, fair or not. It’s a team game, right? It’s not all on him. and and neither of those losses in the playoffs were completely on him. But at the quarterback position, when you get paid the amount of money that they get paid, then the responsibility gets dropped on their head. Like I said, fair or not. So Justin gets a lot of criticism for that. Believe me, I hear it. I see it all the time. But it’s not going to change until he gets those W’s where it really really counts in the playoffs. All right, so we’re going to talk about gamechanging matchups here in segment two. We’ll also mention I got this strange feeling only because I got Justin Herbert on my fantasy team for like the third straight year. Sometimes he seems to struggle in one:00 games on the East Coast. I it just for for some reason to me I’m like he ain’t going to struggle again. Maybe I’m wrong and maybe I’m just like like you say in my bubble a little bit, but we’re going to get to that. talk about both of these lines, the pass rush, and how we expect this game to go. And we’ll do all of that here on a crossover edition here on Thursday, presented by Prize Picks on the Locked on Podcast Network, the number one sports podcasting network. And we’ll get to it in just a second. All right, today’s show is sponsored and brought to you by Supply House. When the opening whistle blows on a new repair, get your crew moving forward with Supply House. Order today and see parts on your doorstep. 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Rolling along here on the Thursday crossover presented by Prize Picks with my man Droy from Locked on Chargers, David Drogo Meyer, and I am Tony Wiggins. Here’s what we got, man. Gamechanging matchups. I’m going to look right at the uh struggling uh health of the left tackles and the right tackle and say that Josh Allen and Trayvon Walker need to have a day. But here’s the problem. They played Houston last week who got one of the worst offensive lines in the league with a rookie left tackle and I don’t know who at right tackle and we didn’t get a peep on Houston and we got killed by Davis Mills as they scored 26 points in the fourth quarter and that’s left a bad taste in people’s mouth. So I think our defensive line has a little bit of a chip on their shoulder to come out and play better this week. Yeah, I mean it’s clearly one of the big matchups that that’s going to decide pretty much any game, but yeah, the Chargers offensive line versus the Jaguars pass rush is a big one. The Chargers have played some of the best pass rush units in the league this year. Jaguars are pretty much middle of the pack. They’re 19th in pressure percentage. They’re ranked last in sacks, sack percentage. They’re tied with the 49ers for the least amount of sacks in the league with 12. um you know could be a different looking line for the Chargers as you know they’ve had Bobby Hart who’s been out with an injury last game but you know when he’s been in the lineup he’s played very very good football he’s only allowed four pressures and zero sacks and over 150 pass blocking snaps across a couple of games so I would think that you’re probably going to see Bobby Hart back at right tackle if he’s able to put together a couple of good practices get back there show that he’s ready to go and on the left side they’ve been rolling with Austin DeClas who has been a backup. He’s probably our fifth or sixth string uh option at left tackle. The Chargers traded for Trevor Penning before the deadline. And so obviously I figured it was going to be a little too premature to put him out there on Sunday Night Football after only being in the building for a few days. But there are reports out there that he’s going to be focusing pretty exclusively at left tackle in practice. And I would not be surprised at all if you see Trevor Penning out there on the left side with Bobby Hart on the right side. And I think that might be the best case scenario options for the Chargers. And for for Trevor Penning, this is an opportunity for him to play his way into the Chargers future plans, whether it is at guard or at tackle. I mean, they’re they’re set on at the starting position at tackle, but the Chargers got a lot of cap space going into the next season. So, if Trevor Penning wants to earn a job with the Chargers, he’s going to have his opportunity to show it in these last seven, eight, nine games, however many they’re afforded. How have y’all been able to combat the fact that you were hurting at tackle? Has it been a quick passing game or has Justin Herbert just been using his legs or has it been a struggle? It It’s been all three. Uh at at times, uh Justin Herbert has absolutely gotten abused. He’s gotten hit a lot. Um I think he’s been pressured more than any quarterback in the NFL, but also he’s number one in the league in rushing yards at the quarterback position. So, he has definitely used his legs a whole lot more, mostly out of necessity. Like, he’s tired of getting hit and also he can do it. Like, he is a very underrated runner of the football. When he gets out in open space, like the guy can really gallop. I mean, he he is a a differencemaker. And whenever you have to defend everybody on the football field, including the quarterback, that makes things a little bit more difficult for opposing defenses. So, Justin Herbert definitely uh getting hit a lot, but also just playing through it, fighting through it, and making the plays when it counts when the Chargers desperately need him to to win football games. And he’s already done that a couple of times this season. All right. So, from outside looking at, what you got for me? I know there’s big questions about the Jags are five and four. Some people think that it’s it’s all smoke and mirrors. Some actually do believe they’ve improved. What you got for me for Charger fans? Definitely. I think the for me one of the biggest matchups is actually going to be the Chargers defensive coordinator Jesse Mentor versus Liam Cohen. Uh who is the was the offensive coordinator for the Bucks last year and the Bucks beat the brakes off the Chargers last year 40 to 17. Gave up over 500 yards of offense. 40 is the most points that Jesse Mter has ever given up. Uh also the most yards as well. And Baker Mayfield was, you know, shooting at over 81% completion. It was, you know, 81% for Tutties. It was a great performance against the Chargers defense. So, that cat and mouse game is going to be very, very interesting how Liam Cohen’s going to call that offense. I know they want to run the football. Um, how is that balance looking uh there for the Jacksonville Jaguars now that you know, you obviously we know what Travis Etienne is and what he’s going to do. Who’s the pass catchers that the Chargers fans should be paying attention to in this game? Oh, that’s a real good question. It’s almost a trick question because uh it’s more been it’s been more pass droppers than past captains. Brian Thomas Jr. has had a terrible sophomore season. Um what is the cause of it? Whether it’s changing the offense, the concentration, he did take a couple of hard hits in the preseason and folks started to say that they noticed that he was changing a little bit. Um, they need him to get going and I don’t know if he’s going to get going this week because he’s been out with a little bit of an ankle sprain. Right now, it looks like it’s going to be a heavy dose of Parker Washington, a heavy do a heavy dose of Jacobe Meyers who just got traded in from the Raiders. You guys have seen him a number of time over over the years. And Dami Brown, who’s who’s been up and down after signing a one-year deal. Uh, the Jaguars, I think they’re going to get Brenton Strange, their tight end, their safety vow back. But outside of that, man, it has been up and down. The Jaguars in the five games that they’ve won, they’ve had all these heroes and guys have stepped up. In the four games that they’ve lost, especially the one against the Texans in the fourth quarter and the one against the Rams, we’ll just throw that one out because they were beat. They got beat like a drum from the very beginning when they went overseas. But I’m telling you, man, it’s just been a tale of two teams sometimes within the same game. Uh they have a name for it. It’s called the Trevor Lawrence experience where he will frustrate you because he will make throws that Justin Herbert, I often refer to him as somewhere like Jameus Winston and Jay Cutler. And what that means is they will make throws that only a handful of guys can make. And then they’ll make mistakes that you think a high school kid should make sometimes. And so that’s the thing about it. It’s not his talent. It’s not that his highs aren’t high. It’s just that the lows are the variance between the highs and lows is so big. And it could literally happen not only from one half to another or one quarter to another or one drive to another. It could literally happen one play to another. And that’s the thing that he has to improve. Now, there’s always always been this talk about the offensive line wasn’t good enough, the weapons aren’t good enough, the coaching staff weren’t good enough. Well, he’s on his like fourth coach now, so we can’t keep we can’t keep going down that road. Let me see. Urban Meyer. Yeah. So, he’s on his fourth coach right now. And the thing is is look, do we even count Urban Meyer? I mean, yeah. Yeah. Well, I don’t know. We might not count him or his uh his his assistant or whoever that was that took over for him when he left, but but we do because that could have been what what what started this kid’s career off and put a bad taste in his mouth and now he hasn’t been able to overcome it and he’s continued to play catchup. So I think you all are going to see in in fact y’all have seen it in the game that you referenced the the big comeback game. He threw four interceptions in the first half. Yeah. That’s why they were down 27 nothing. Yeah. And then he came all the way back and then he looked like Dan Marino in the second half. But the thing is that in a nutshell is the Trevor Lawrence experience. And if they’re going to win this game, man, they got to do a lot better than that. We’re going to talk about the winning formula and a game prediction, maybe a score prediction for me. In fact, on the squad show today earlier or yesterday, I actually gave a 31-30 prediction for the Jaguars to win on a walk-off field goal. So, I I ain’t trying to I ain’t trying to rub salt in the womb, man. But we going to get to a little bit more of that and let you smack me back here in just a second on a crossover edition between Locked on Chargers and Locked on Jaguars. All right, today’s show is sponsored and brought to you by Better Help. As the days get shorter and the nights come earlier, it can start to feel a little heavier, especially when life is already packed with work, family, and everything else. This season, it is so important to reach out and check in with friends, family, and even yourself. Just like checking in on a teammate or reconnecting with someone you haven’t seen in a while, uh it can really lift your spirits. Reaching out for therapy can make a real difference, too. Better Help makes that first step easier by connecting you with a licensed therapist online from wherever you are. Therapy works. I am proof positive. I know everybody looks at me sometimes and thinks that, oh, he’s strong minded. He’s strong willed. Uh, he can get over it. He can figure it out. No, I actually do. But I do it with the help of therapy. And you can do the exact same thing with Better Help this month. Don’t wait to reach out. Whether you’re checking in on a friend or reaching out to a therapist yourself, BetterHelp makes it simple to take that first step. Listeners get 10% off their first month and at betterhelp.com/lockedon. That’s betterhelp.hp.com/lockedon. Because taking that step toward support might just leave you wondering why didn’t I do this sooner. All right, running it down here. We are turning towards home plate here on a crossover edition presented by Prize Pick between David Drogo of Locked on Chargers as well as myself, Tony Wiggins, locked on Jaguars and Locked on NFL. All right, David, what’s the winning formula for the Chargers to come in Duvall County and get a win? Yeah. Uh, something that you kind of mentioned earlier on in the show, which is absolutely been the truth. The Chargers have to start fast. In all three of the Chargers early East Coast games against the Giants, Dolphins, and Titans, the Chargers have been very sluggish and kind of slept blocked through the beginning of those games. Starting fast allows you to really get into your full game plan offensively and protect your quarterback by being able to run the football. The Chargers were outscored 28-13 in the first quarter in in those East Coast games against the Titans, Giants, and Dolphins. And also, you know, that could make the Chargers make the uh the Jaguars more one-dimensional if they get behind. So, starting fast is crucially important on these crossc country trips. Yeah, for me, um I I would say starting fast because it’s something that the Jaguars don’t typically do. And then I I made a short like we always do before game day, right? About an hour before the game last week, I said the Jaguars need to start off fast. In fact, get a little nice little 10 nothing league. I even I even mentioned the score 10 nothing and then I gave a whole bunch of other things that had to happen. The Jaguars were up 10 nothing and I started peacocking and posting stuff all over Twitter like look I’m up this year. Look what your boy said and they’re doing it and then they go up 29 and 10 and then they get walked down and smoke and I’m sitting there thinking like well out that that formula goes out of the window. So here’s what I got to tell you what they got to do. They just got to just go out and figure out a way to win the game. They have to stay from those long bing distance situations. They have put themselves behind the eightball with pre- snap penalties, uh some penalties after the snap, illegal formation, uh all kinds of stuff, man, that puts him in bad down and distance situations. And because they’ve had a a trouble pass blocking here over the last three or four weeks, Trevor Lawren has been running for his life. He got he had sack he got sacked seven times twice and then I think another time he got sacked six times. That’s too many times for a dude to be getting hit. Not to mention some of the times when he had to actually leave the pocket when receivers were open and he wasn’t able to get on the ball. So I would say stay out of the long down and distance situations and they’ll be uh at least give themselves a fighting chance. We got a kicker that can kick it from Texas. So yeah, as long as we cross midfield and don’t screw up like last week. Trevor Lawrence got him back in gamewinning field goal territory and they got a penalty, dude, and it knocked them out of it and then they had to try hail marriage. That’s hard to do with a kicker that can kick at 70 yards. I know it, man. It’s real hard to do. On the flip side, they got to get the Chargers off the field on third down. And I know that’s very very difficult to do because Keenan Allen who came back home is a first down waiting to happen. He ought to change his name in the first down by the way. And Lad Mani can run after the catch and the Jaguars always historically maybe not so much this year. Although Brock Bowers destroyed them when they played Vegas. Aronda Gatson, man, he has become another one of those tight ends, dude. I Well, I got to call him Aronda Gatson Jr. because I’m so old. I remember his dad played. Yes. but he just seems like that dude that can drag across the formation and snatch the ball out of the air and run like the wind to the first down marker. So, I think the Jaguars have to be very, very critical. It’s very critical that what they do is get the Chargers off the field on third down and I think they’ll have a little bit of a chance to win. Yeah, I mean the the the third downs is important for both these teams. The and you know the the Chargers, that’s one of mine as well is continue the third down magic. The Chargers are second in the NFL and third down conversion percentage sitting at 47.55% and they’re over 50% in their last three games. And on defense, they’re also fourth in third down conversion percentage allowed, sitting at 34.17%. And over the last three games, it’s under 20% uh conversion percentage allowed. So, they have been absolutely fantastic on third down offensively and defensively. They have to continue that success and if they do they’re going to put themselves in a very good position to win the game. All right. So game prediction for me is by the way I I joke around about this but that 3130 game I don’t know if people really pay attention to this. That dude almost missed that field goal. Do you remember what that he almost and Al Michaels was on the call. I was in the press box, but nobody talks about that that that field goal was just about no good and the Chargers would have actually advanced in in the playoffs. But, um, I think it’s going to come down to the Jaguars have only had one game that wasn’t well, they had two games that wasn’t a one-sore game. Like I said, I’m throwing out the the Rams game and then early in the year, the first game of the year, they they won 26-10 against Carolina, but other than that, it’s always been one score. even when they had five turnovers or something like that against the 49ers. 49ers are driving to win the game and then they got another turnover. So, I’m just going to say that they’re going to play it close. Hopefully, the gritty Jaguars will show up and they’ll play it close and they will win the game. So, I’m going to go ahead and go with that walk-off kick is my thing. I’m just joking with you about the 3130. But, wouldn’t it be something if that happened again? That’d be that’d be amazing, wouldn’t it? It it would be something. But also, I probably wouldn’t show my face for the next week if if that actually did take place again. But for the Chargers, the last thing is that they got to protect the football. The Jaguars have the second best turnover differential in in the league. They’re they’re really good at it. Um, so you got to protect the ball. You cannot lose the turnover battle and expect to win this game. As far as predictions are concerned, uh, I know the Chargers are motivated to win this game. I I know it. I know that several players have talked about it. It is important. And also, like I said in the beginning, if they really want to be able to put themselves in position to win this division for the first time in 15 years, then they have to win this game to continue to keep pace with the Denver Broncos, which I think are a little fraudulent to be honest with you. That offense is not very good. And the even with the the issues that the Chargers have had on the offensive line, they’ve been more productive on the offensive offensive side and their defense has been just as good. I think if the Chargers pro protect the ball in this game, I think they’re going to come in motivated and playing very physical like they have the last several games and I have them picking up this win. It’s going to be a close game because I think these two teams are closer than further apart. And so with that being said, I got a 34-28 victory for the Chargers. Yeah. And you know what? I will say this, both teams, especially you guys since we got a young guy. I like him though. Both teams are definitely coached way better than they were. That was Doug without a doubt. And Brendan Staley, I think that’s his name. And we don’t we don’t say that name around here. We don’t even acknowledge him anymore. I got you. Well, look, man. You guys uh if you if you’re traveling to Jacksonville, travel safely. Uh we’ll see you at the stadium. Um and I look forward to having a really really good atmosphere this week. The Jaguars need the victory. The Chargers want to keep rolling and uh of course after the game, you’ll get it from both of us. Uh I don’t know your schedule over there, Joy, but I know we’ll come right after the game with a uh postgame show. And uh Monday on Monday, make sure you check out Locked on NFL because Tyler Roland will drop that spicy on you so early uh Monday morning like a double shot of espresso and I’ll swing back through the barber shop with a double dose. So, we’re going to have recaps, shorts, uh, all over the place because we’re always all over it here on the Locked on Podcast Network because we are the number one sports podcasting network. That’s right, number one, baby. Undisputed. All right, for David Drogo and Locked on Chargers, make sure you check him out each and every day. I’m Tony Wiggins with Locked on Jaguars. We don’t take your time for granted, man. exactly 30 minutes with us here today. And we definitely appreciate you here on the Locked On Podcast Network. Your team every day.

Los Angeles Chargers and Jacksonville Jaguars clash on Sunfay in a pivotal AFC showdown with playoff implications hanging in the balance. Both teams enter decimated by injuries—the Chargers down to their sixth-string tackles after losing Rashawn Slater and Joe Alt, while the Jaguars lost star Travis Hunter to a season-ending surgery.

The hosts break down the Justin Herbert versus Trevor Lawrence quarterback debate, analyzing why Herbert must win playoff games to escape criticism. Key matchups include the Chargers’ patchwork offensive line against Jacksonville’s underperforming pass rush, and the strategic chess match between defensive coordinator Jesse Minter and Jags coach Liam Cohen. Discussion covers the Jaguars’ maddening inconsistency, Brian Thomas Jr.’s sophomore struggles, and how both teams’ third-down efficiency could determine the outcome.

Tune in for expert predictions on whether the Chargers can avoid another heartbreaking loss to Jacksonville or if Trevor Lawrence delivers another wild performance in primetime.

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FanDuel
Right now, new customers can bet just FIVE dollars and if your bet wins—you’ll get THREE HUNDRED dollars in bonus bets to use across the app.

FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)