An affiliation of pirate-gamblers who accept bets called premiums. The dollar amounts of the premiums are non-negotiable but the amounts of the claim settlements, should the company lose the bet, are rarely delivered without argument.
Bob payed his premiums faithfully for years but the insurance company steadfastly refused to pay his legitimate claim.
Contends that life is like a punchbowl and in each punchbowl there must exist the turd. The turd may be large or small, it may float or hide on the bottom. Some people may try to obscure the existance of their turd with fruit, others may decorate the turd with a tiny umbrella.
Johnny and Sally fell deeply in doodoo when, after searching their punchbowls, they found their turds mutually acceptable.