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A client called to report an accident and ask if her insurance rates would go up.

"Our underwriting department determines that", I said. Then I asked for her license number. Verifying her information, I asked, "NMF? Is that N as in Nancy, M as in Mary, and F as in Frank?"

"Well, yes," she said. "But could you please tell your underwriters that it's also N as in Not, M as in My, and F as in fault?"

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