Two Jewish men from New York pass each other walking down Miami beach. They see each other walking every now and then over a couple months and eventually introduce themselves and walk together. After walking for awhile the first said to the second how did you end up here in Miami. The second man told him that he owned a garment factory until there was a fire that burnt it to the ground and because he was older he decided to just keep the insurance money and retire. When the second asked the first how he came to be in Miami he told him it was a very similar story. He also had owned a garment factory until a flood destroyed it which also cause him to retire. After their talk they walked for a minute or two and the second man turns to the first and asks, how exactly do you start a flood?
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