A man is getting into the shower just as his wife is finishing up her shower when the doorbell rings. After a few seconds of arguing over which one should go and answer the doorbell, the wife gives up, quickly wraps herself up in a towel and runs downstairs. When she opens the door, there stands Bob, the next door neighbor. Before she could say a word, Bob says, "I'll give you $800 to drop that towel that you have on."

After thinking for a moment, the woman drops her towel and stands naked in front of Bob.

After a few seconds, Bob hands her $800 and leaves.

Confused, but excited about her good fortune, the woman wraps back up in the towel and goes back upstairs. When she gets back to the bathroom, her husband asks from the shower, "Who was that?"

"It was Bob the next door neighbor," she replies.

"Great!" the husband says, "Did he give you the

$800 he owes me?"

Moral of the story:

If you share critical information pertaining to credit and risk with your shareholders in time, you may be in a position to prevent avoidable

exposure.

One day, a man comes home from work and greets his wife. Upon seeing him, she asks for $20 to buy meat for dinner.

He leads her to a mirror, holds up the $20 bill and says to her, " Honey, the $20 in the mirror is yours. The other belongs to me."

Satisfied with his "ingenious" remark, he sits back and the incident is forgotten.

The next day, he comes home and greets his wife. When he goes in the dining room, the table is laden with meats and delicious foods.

Shaken, he asks his wife where she got the money.

She leads him to the same mirror and lifts up her skirt. "See that one in the mirror? That one belongs to you. The other belongs to the butcher."