Once a terrific explosion occurs in a fireworks factory, and once all the mess has been cleared up, an inquiry begins.
The insurance investigator, a man of singular importance in his own mind, begins questioning employees. One of the few survivors is pulled up to make a statement.
"Okay Simpson," begins the investigator, "you were near the scene, what happened?"
"Well, it's like this. Old Man Higgins was in the mixing room, and I saw him take a cigarette out of his pocket and light up."
"He was smoking in the mixing room?" the investigator said in stunned horror, "How long had he been with the company?"
"About 20 years, sir"
"20 years in the company, then he goes and strikes a match in the mixing room. Well, in my organization, I'd have thought it would have been the last thing he'd have done."
"I fear it was, sir."
-----------------A Final Thought ...
"Insurance. An ingenious modern game of chance in which the player is permitted to enjoy the comfortable conviction that he is beating the man who keeps the table."
- Ambrose Gwinett Bierce (1842-1914?), US author, editor, cynic: The Devil's Dictionary (1881-1906)