Insurance

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?"