Herbert Hoop reaches the age of thirty-two and decides to take out a life-insurance policy. He goes along to the Ripoff Insurance Agency and is shown into the doctor's office for a complete physical examination. After a thorough check-up, the doctor tells Herbert to get dressed. "All the tests came out fine," says Doctor Bandaid. "But if you don't mind me making a personal observation, you have absolutely the smallest prick I have ever seen. Do you have any problems with it?" "Well," says Herbert, "I have been married for ten years and we have two lovely kids and a good sex life. The only problem I have with my prick is that I have difficulty finding it in the daytime."  "Really?" says Bandaid. "And what about at night?" "That is no problem," replies Herbert. "Then there's two of us looking for it."