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Computer rule # 1. If it's important, it's backed up somewhere. If it's not important enough to back up, it's not important to worry about. Remember - your phone can be destroyed, stolen or lost at any moment. Insurance can replace the phone. It can't replace data.

Next time you'll have all your apps and contacts backed up and you can just reinstall them.
 
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Yes, encrypted both phone and card. lost 2/3 or more of my apps, contacts etc. I was able to sync my contacts reinstalled apps. The phone was stolen. reset, returned with a new profile. i again reset the phone. Synced again, however the SD card was encrypted. I could have decrypted the phone and maybe then decrypted the card, instead i pulled the card and hoped maybe another phone could decrypt it. Thank you all for taking the time to enlighten me!! I am humbly grateful!
 
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