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 submitted by Elise
 
 Bill's barn burned down, and his wife Polly called the 
insurance company.
 
 Polly told the insurance company, "We had that barn insured 
for fifty thousand, and I want my money."
 
 The agent replied, "Hold on just a minute, Polly. Insurance 
doesn't work quite like that. We will ascertain the value of 
what was insured and provide you with a new barn of comparable 
worth."
 
 There was a long pause before Polly replied, "Then I'd like 
to cancel the policy on my husband."
 
 
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