Three men were reflecting upon their fortunes while enjoying a relaxing day's fishing off the coast.

The first said: 'My house burnt down. I lost everything, but the insurance company paid up and that's why I'm here.'

The second said: 'My house burnt down too. I lost everything, but the insurance company paid up and that's why I'm here.'

The third guy said: 'My house was destroyed by an earthquake. I lost everything, but the insurance company paid up and that's why I'm here.'

The first two guys turned to him and said: 'Earthquake? How the hell do you start an earthquake?'