Recently in Brazil, a woman dropped her cell phone on the metro tracks, and for whatever reason, thought it would be ok to retrieve it.
So she climbs down onto the tracks and just like in the movies, here comes a speeding train and she can't get back up on the platform.

If not for a couple of quick thinking gentlemen, she would not be around to enjoy another day.
The moral of the story - cell phone falls on the tracks - leave it there.
That's what insurance is for.
Wow, check out the video for yourself.