[Discus]

So...... a rolls royce has a mighty accident in front of a small insurance company. It happens to be the insurance company that holds the policy for this car. It may be a small company, but it is the largest one around for this area. The sound of the accident is so loud that all the local shop owners, who happen to be stock holders in the insurance company, come out to view the horrific wreckage.

The driver of the rolls crawls out through a broken window to see, for the first time, a giant Mack truck partially over parts of the rolls. He struggles to his feet and hobbles toward the insurance building. Inside, the owner of the insurance company completes a conversation with his accountant. "So, what you are saying," reiterates the owner, "is that we are essentially broke and can afford no losses."

The accountant nods. "But it is worse than that. We have such extreme exposure to risk that we are in jeopardy of impossible recovery."

The door swings open to reveal a bloody man wearing a torn suit. "Come out here," the shaken man calls to the insurance company owner. "Look," he says, pointing at the wreck.

"Ooooo, that looks bad. We should call you an ambulance," the owner tells the royce driver.

"Yes, but you are my insurance company and I want you on this case right away," the driver directs.

"What? We are the insurer? Why, that does not look so bad. In fact, I think it is just a minor dent here and there. No need to file a claim for that!"

"What?" screams the driver. "And my neck and back are starting to hurt bad. Did you call an ambulance yet?"

"Oh my dear sir. You don't need an ambulance. You look just fine. A hot tub and you will be feeling fine in a few hours. Let's just say that this was all a little detour today."

"What?" asks the driver. "This horrible accident?"

"I don't see any accident," the insurance mogul states sincerely. "I see a negotiated interruption of intended paths."