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"My love life was going stale even before my wife's car accident."
―Phil in the commercial of Fernando's New Beginnings.

Phil is a character in Grand Theft Auto III, mentioned in a commercial for Fernando's New Beginnings, a company set up by Fernando Martinez. Phil has three kids, two cars and a mortgage. In the advertisement, he describes how his love life 'was going stale even before my wife's car accident'. Phil finishes by stating that, thanks to Fernando, he is still married and sleeps with Barbara on Wednesday at a motel by the turnpike.