A doctor vacationing on the Riviera met a lawyer friend and asked him what he was doing there. The lawyer replied， “I’m here because my house burned down， and the insurance company paid for everything. What are you doing here？” “That’s quite a coincidence，” said the doctor， “I’m here because my house was destroyed by a flood， and my insurance company also paid for everything.” The lawyer looked puzzled. “Gee，” he asked， “how did you start the flood？”