A couple of years ago we were at camp and in the middle of the night I fell down the steps LOUDLY. A few mins later her groggily says, "What was that?" I told him it was his wife falling down the steps. His reply will hang over his head for the rest of his life, "good thing it wasn't my coon dog. You have insurance. It would cost me $250 to take the dog to the vet." soooooo..... Let me think about this one for a bit. I'll get back to ya.