A lawyer and an engineer were fishing in the Caribbean. The lawyer said, "I'm here 'cause my house burned down and everything I owned was destroyed by the fire. The insurance company paid for everything." "That's quite a coincidence," said the engineer, "I'm here 'cause my house and all my belongings were destroyed by a flood, and my insurance company also paid for everything." The lawyer pondered the engineer's plight for a moment and, looking somewhat confused, asked, "How do you start a flood?"