Last night was my job to pick up the kids at daycare in the minivan and then we swung back through downtown to pick up my wife. We were driving through midtown and pacing a guy in the bike lane on a Peugeot fixie. Looked to be about my age, and he had the commuter package with the blinkies and lights and helmet.

My wife looks at him for a second and says, "Oh, that reminds me. Make sure to call Personnel in the morning and ask how much it would be to get supplemental disability insurance."

"Yes, Dear."