A doctor vacationing on the Riviera met an old lawyer friend and asked him what he was doing there.

The lawyer replied, "Remember that lousy real estate I bought? Well, it caught fire, so here I am with the fire insurance proceeds. What are you doing here?"

The doctor replied, "Remember that lousy real estate I had in Mississippi? Well, the river overflowed and here I am with the flood insurance proceeds."

The lawyer looked puzzled.

"Gee," he asked, "how do you start a flood?"