Two businessmen met on a cruise and struck up a conversation.  one said, “I took this trip with insurance money.  I got ten thousand dollars for fire damage to my store.”

The other man replied, “What a coincidence!  I’m here on insurance money too.  I collected twenty thousand dollars for flood damage to my store.”

The first man eyed the other for a few minutes and then leaned over and whispered, “Say, how do you start a flood?”