Do you recall that skit by Abbott and Costello when they were in jail with a very large and strong guy who apparently had a bad experience in Niagara Falls with his wife. and so everytime Costello said "Niagara Falls the large guy would say " slowly I turned and step by step" and beat costello.
Well since moving to The Villages when I hear two words "water" and "insurance" it mkes me say "and slowly I turned....."