Two men were sitting and fishing off a jetty in the Whitsundays.

One eventually turned to the other and asked: “So, how do you come to be here?”

The other said: “Well, I used to be in practice as a lawyer. I had a thriving practice, a lovely home and everything was fine until one day a fire swept through the premises and crisped the lot. So I took the insurance package and retired up here.”

“Wow!” said the first man, “what an incredible co-incidence! I used to be in practice as an architect. I had a thriving practice and a lovely home, until one day a flood came through and ruined everything. So I took the insurance payout and retired up here!”

“That is some co-incidence!” agreed the lawyer. “But there’s one thing I don’t understand. How do you arrange a flood?”