It was me.
Nothing as of yet. I made the mistake of setting my phone down in my center console face down on my keys and now I have a nice scratch on my screen. So when I get a chance I am going to take it to Verizon and make use of the protection plan I originally signed up for because I had a teenager. Irony of ironies, I have used it twice, she never has. So they will probably just swap it out.
The Apple Store can fix it by doing a clean install, but I didn't have time the day I was in there.