A client called to report an accident and ask if her insurance rates would go up.

\"Our underwriting department determines that\", I said. Then I asked for her license number. Verifying her information, I asked, \"NMF? Is that N as in Nancy, M as in Mary, and F as in Frank?\"

\"Well... yes,\" she said. \"But could you please tell your underwriters that it\'s also N as in Not, M as in My, and F as in fault?\"