Credible.... Credible means believable or possible - it doesnt mean it's fact or actual.
So, with that said, I dont find any thing Phil says as being incredible or unbelievable.
But, as far as Xi goes, anyone who has has an erroneous address on his website, and who states he "had" a mail box on the 22nd floor in a building 45 minutes from where he lives and works, I take with a grain of salt.
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