- Bob Rayburn: Insurance is like betting. It started out with ships full of cargo, understand?
- Andy Howard: Yes! Only the cargo owners bet the ship is going to sink.
- Sheena: Why?
- Andy Howard: [to Bob] Why?
- Bob Rayburn: Because they didn't want it to sink.
- Sheena: Why bet?
- Andy Howard: Why, because if it does sink they want to be paid for the cargo.
- Sheena: Who pay?
- Bob Rayburn: The insurance company.
- Sheena: Why?
- Bob Rayburn: Why.
- Bob Rayburn: [to Andy] You take it, lad.