On vacation, a little boy asked his mother: "Can I go swimming in the sea?"
No darling, you can't," she replied. "The sea's way too rough, there's a dangerous offshore current, and this stretch of coastline is supposed to be plagued with jellyfish and sharks."
"But Daddy's gone swimming in the sea," protested the boy.
"I know," said the mother "But Daddy has excellent life insurance."