Meanwhile, far out at sea

Two men are talking on the deck of a cruise ship...
The first man explains that he is a lawyer and his law office caught fire and burned to the ground. Tge insurance money was paying for his entire cruise.

The second man says he was a rancher and a tornado wiped out his entire ranch, including the herd, and insurance was also paying for his trip.

The first man looked at him in shock and awe, then asked, "How in the hell did you start a tornado?"