These three old guys sitting on the veranda in Miami talking about their pasts: One says, "I had a great rag business in Manhattan and there was this electrical fire, burnt the place to a hollow shell. I just threw up my sands and retired, moved down here to grow old in the sun." The second man says "I know what you mean. My fine deli Brooklyn, big grease fire in the kitchen one day while I was taking my mother to the doctor. I moved the whol family down here. Couldn't handle the memory." "Yes, it's amazing how losing your business can affedt you. My investment firm had a flood and it ruined every thing, computers, records, the whole mess." Guys 1 and 2 look at each other and then at their new friend and ask, "How do you start a flood?"