[DCBryan1]

Guess I'm going to have to buy an "angry negro rider" for my insurance since my current insurance won't insure for riots/insurrection/civil disturbances, etc.

....a "civil disturbance" is my neighbor playing a saxophone at midnight. Many insurance companies will do anything not to pay a claim.

[blam]

"....a "civil disturbance" is my neighbor playing a saxophone at midnight."

Yup. In a civilized society.