An HMO Executive, a teacher and a banker were in a sailboat. Suddenly the boat hit a large rock which tore a hole in the bottom of the boat. To their horror they discovered that the life raft only had room for two passengers. A beautiful tropical island was visible on the horizon, but the water was infested with bloodthirsty sharks. While the teacher and banker were wondering what to do, the HMO executive dove into the water and began to swim toward the island. The others got into the raft and paddled off.
When they finally arrived on the shore of the island, they found the HMO executive sitting under a palm tree, sipping coconut milk. They were flabbergasted. “How did you survive in there with all of those bloodthirsty sharks?” they demanded.
“Easy,” he replied as he took another sip, “Professional courtesy.”