[Asphalt]

Brian, Matt, and Todd are lying on the beach in Florida. Matt looks over at Brian and say "So, how did you end up here?"
Brian says, "Well see, I owned a buisness up in Michigan. Well one day a fire came and burned the whole place down. Well I collected insurance and here I am."
Matt looks at him curiously. "That's funny. Almost the exact same thing happened to me. I had a buiness in Georgia, fire came after the night crew had left, and well, I collected insurance, and here I am."
Todd gave them both a strange look. "YOu know it's funny. SOmething like that happened to me. I owned a buisness in Sacremento and a flood came and destroyed it and here i am."
Brian looked at Matt and asked "HOw did he start a flood?"

[international american]

I heard that 30 some years ago, only it was 3 Jewish businessmen in Miami Beach. The 3rd guy, Murray, was silent, so one says"Why so quiet, Murray?" and Murray says
"How do you start a flood?"