When my brother bought a new sailboat he filled out an application for boat insurance. He was asked questions about the boat and himself and was instructed to include a recent photo. He and his wife sifted through a stack of snap shots and selected the one they believed appropriate.

Not long after sending in the form, he received a letter from the insurer: Dear Sir, Thank you for sending the fine photo of yourself. We do admire the mustache. Now, could you send us a photo of an equally appealing vessel we are into insure?