Dear Mr. Twybil:

You are quoted as having said "At one time when I was on the other end
of the hammer". Does this mean that you are now routinely beat with
heavy blunt objects. If this is so, please inform the rest of the group
with whom you carry your health and life insurance. The health insurance
must be outstanding, having seen you recently and I am sure we would all
like to invest in some life insurance on you. Sounds like a pretty safe
bet that there could be a pay off at any time.

Signed

Concerned & Hopefull