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Hmm, Erie PA has notoriously bad weather (think snowstorms), so I should highlight that as a comedic hook. The explanation needs to balance relatable frustration with actual useful info about how insurance works there. Maybe compare it to something absurd, like medieval torture or video game progression? That feels right for the tone. For the edgy part... user probably wants dark humor that's slightly unsettling but still clever. Could play on the idea of "if you don't have it" scenarios – like getting totaled while being a grumpy old man complaining about insurance costs at an auto shop during a snowstorm? Yeah, that visual feels appropriately grim and funny simultaneously. Important to avoid making people actually anxious though. The unsettling bit should be more "witty morbid observation" than genuine nightmare fuel. Maybe exaggerate the bureaucracy of dealing with claims after a hailstorm while hiding fries from greedy adjusters? Also need to clarify this isn't about anything illegal – user just said "edgy," not criminal. Should frame it as dark humor about bureaucratic inefficiency rather than anything sketchy. The challenge is keeping insurance explanations accessible without being patronizing. Maybe use gaming metaphors (
