Woman gets in a horrible accident, rushed to the hospital. Husband gets the call, hurries to meet her. Arrives, asks the doctor “how’s my wife?” Doctor says, “it’s not good. She has brain damage, can’t talk, can’t walk, will need to poop into a bag, requires round-the-clock care for the rest of her life, and your insurance covers none of it.” Man falls to his knees sobbing. Doctor says, “I’m just fucking with you, she’s dead!”