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Hmm, AD&D is actually two words: Accidental Death and Dismemberment. The user might not realize that when they typed "ad and d insurance" as one thing – good opportunity to break it down playfully. They're asking for humor, so I should avoid dry technical jargon and lean into the absurdity of the name itself. Let me think about angles... First, highlight how pedestrian the coverage is by contrasting with fantastical scenarios ("Wizard's Staff Insurance"). Then twist the definition slightly – like saying "death AND dismemberment" could actually mean BOTH accidental death AND specific body part loss. That feels right because people might not know AD&D covers amputations or swallowed pies separately as "dismemberment." For the edgy example, I imagine a jaded corporate worker who's so burned out they're fantasizing about bodily harm during office hours. Classic AFI (Awesome Fraud Insurance) vibe – playing on how absurd it is that you'd pay for protection against things most people don't even consider serious enough to insure. The "edginess" comes from the dry, bureaucratic tone paired with extreme workplace