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A

man went on a ski trip, and was knocked unconscious by the

chair lift. He called his

insurance company from the hospital,

but it refused to cover his

injury.

" Why is the injury not

covered? " he asked.

" You got hit in the

head by a chair lift, " the insurance rep

said. " That makes you

an idiot, and we consider that a pre-

existing condition. "

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