PANEL 1 IN FRONT OF HOUSE. ASHLEY and RAYNE are staring at the house, and RAYNE looks thoughtful. ASHLEY What are you thinking? RAYNE Insurance. PANEL 2 IN FRONT OF HOUSE. RAYNE I don't have enough. PANEL 3 IN FRONT OF HOUSE. RAYNE explains the obvious answer. ASHLEY Fire? Flood? RAYNE I could lose everything to a single Cave Troll, and then what? PANEL 4 IN FRONT OF HOUSE. RAYNE pulls out his phone, ASHLEY is happy to go along with it. RAYNE Calling my insurance company. ASHLEY On speaker. ASHLEY You need to do it on speaker.