Quiet city streets, church bell echoing. Old woman comes out of a building, smiling and humming to herself. She walks down the sidewalk and looks in a shop window. A man is placing a bed of flowers on his balcony above and accidentally drops them, narrowly missing the old woman. The force causes a large wooden barrel to start rolling down a street, narrowly missing the old woman and knocking fruit crates over. A man is pulleying up a piano. the old woman nods at him, he nods back, and he looses his grip and the piano narrowly misses the woman. A soccer ball flies over a fence, the woman kicks it and the sound of crashing glass. She scurries away. Text: “Sooner or later you need insurance.”