A doctor had just bought a villa on the French Riviera, when met an old lawyer friend whom he hadn't seen in years, and they started talking. The lawyer, as it turned out, owned a nearby villa. They discussed how they came to retire to the Riviera.

"Remember that lousy office complex I bought?" asked the lawyer, "Well, it caught fire, and I retired here with the fire insurance proceeds. What are you doing here?"

The doctor replied, "Remember that real estate I had in Mississippi? Well, the river overflowed, and here I am with the flood insurance proceeds. It's amazing that we both ended up here in pretty much the same way."

"It sure is," the lawyer replied, looking puzzled, "but I'm confused about one thing – how do you start a flood?"