Persistent telemarketers called Bob and Mary every night at dinner time. Their favorites were the folks offering credit cards and loans. They didn’t like hanging up on people. So they decided to make a small wager on which one of them could say something to get a creditor to hang up on them the quickest. They placed a stopwatch and a scorecard next to the phone and took turns answering the phone. The stopwatch was started the minute Bob or Mary finished their opening salvo. Both of them were pretty good, usually getting the caller to hang up around the 10 second mark, after several comments back and forth. But that all changed when Bob answered the phone one day, and said to the telemarketer: ‘You want to lend us money? Excellent! We just declared bankruptcy and sure could use some money. Do we have to ever pay it back or is it like the other money we borrowed before the bankruptcy?’ The line went dead. And that’s how Bob came to have a brand new fishing rod.