TITLE BOX In the title box, DAD is walking to the front door and sees an enormous hole in the ground. NEXT PANEL, DAD looks down the hole, and sees RAYNE at the bottom looking really worried. DAD I’m not asking. RAYNE DO YOU KNOW HOW MANY WORMS LIVE UNDER US? NEXT ROW INSIDE. DAD is reading a book when RAYNE walks in. RAYNE What’s insurance? DAD Something you pay for. DAD explains, RAYNE nods. DAD If something bad happens, you get money back to pay for it. RAYNE K. RAYNE nods again. RAYNE kk. DAD looks up at RAYNE, starting to get suspicious. DAD asks, RAYNE looks more curious. DAD Why? RAYNE Can I see our policy for specifics?