A little boy was riding his bike home one day. As he was riding, he happened to notice a little warty toad hopping alongside him on the bank of the nearby pond. He hopped off his free bike and ran over to the toad. It blinked up at him and plunked into the pond water.

Even there was a lot of scum on the surface of the pond, and the boy had read online that it was against his health insurance policy to go swimming in dirty water, he plunged in. It was cold, and as he swam through the murky, muddy water, he realized that he had left his bike in the middle of the road.

Although there weren't many cars that use the road, there were enough that if he left it there, it may get run over! So as he swam towards shore, the thought passed through his mind that he really needed bike insurance to protect his investment (even though he had gotten it free, he still couldn't afford a new one).

As he reached the side of the road, he heard the disappearing sound of a car engine, and he saw that his poor bike was broken and bent in the middle of the street. No!

"I don't even have bike insurance to cover the damages!" He screamed at the car that was already out of earshot of the little boys howls. He began to cry, little fat tear rolling down his cheeks as he picked up the mangled metal.

When he reached the gated house, his mother ran out and hugged him.

"What happened?" She asked, rubbing the dirt off his cheeks, and wondering at his wet clothes. So the boy told her.

She was a kind mother and did not scold him, thinking to herself that boys will be boys after all...And so she had him sit at the table and wait while she made him some chicken noodle soup.

While he waited, his friend walked tot he open window and asked what happened to his bike. The little boy told him the story and finished it with, "And I don't even have bike insurance to get a new one!"

His mother gave him another hug and wiped a tear from her eye as she watched him hungrily slurp down the steaming soup. After she made sure that he was all taken care of, she went to the phone and called her husband, "I can't believe we didn't get bike insurance to keep that little toy safe!"