from previous--

three   young  men were  fishing  quietly  by  the  sea,  to  pass their  time  they  began  talking, one  bragged  he  was  rich  because  he  was  paid  a  handsome  allowance  by  the  insurance  company  when his  house  was  burnt  down

the  second  also  remarked  that  he  was  also  given a  huge  insurance  when the  fire  broke  out  in his  house

the  third  said  he  was  paid    insurance  quickly  when his  house  was  flattened  up  in the  flood, the  first  two  looked  meaningfully  at  each other  and  asked  in a  chorus--
its  rather  easy  to  without  being  caught   set  fire  but  how  did  he  arrange  a  flood

,