A lawyer and an engineer were fishing in the Caribbean. The lawyer said "I'm here because my house burned down and everything I owned was destroyed by the fire. The insurance company paid for everything." "That's quite a coincidence", said the engineer, "I'm here because my house and all my belongings were destroyed by a flood, and my insurance company also paid for everything." The lawyer looked somewhat confused. "How do you start a flood?", he asked.


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