text:  An insurance company, not an insurance company, a bakery says, I am willing to show up with a second birthday cake if more than 20 kids come through the door. And you just need to pay a little bit more for the birthday cake. So what that allows me to do is cut the first birthday cake into 20 pieces. Every kid gets a bigger piece of cake and I don't have to worry about potentially running out because when the 21st kid comes through the door,