A man and his wife were going to Bali to celebrate their tenth wedding anniversary. During the flight suddenly the voice of the pilot echoed on the mike,
"Ladies and gentlemen, it is with great sadness that I have to inform you that both the engines of the aircraft have failed. We are currently flying over an uninhabited island. I am trying to make an emergency landing on this completely unknown island." After that we may be stuck there for the rest of our lives. But as a captain, I'll be with you."
The aircraft was safely landed on the island, but all the passengers were worried about how their life would be like away from their respective homes, families and friends.
After some time the man asked his scared wife,
"Have you cleared all my credit card dues?"
The wife said,
"I'm sorry. I forgot to deposit the cheque."
"No problem. Did you see whether we had sufficient balance in our account for the car and house loan EMIs?" the man asked.
The wife became tearful. She said in a voice trembling with fear,
"I'm sorry, I went shopping keeping in mind our trip to Bali. I thought I'd deposit the required amount on the next salary payment."
Now the man beaming with joy took his wife in his arms and started kissing her,
"You are smart and beautiful too."
The wife got scared and screamed after coming out of his arms,
"Have you gone mad? Does anyone feel happy even in such a situation?"
In response, the man shouted in enjoyment,
"We are saved, darling, we are saved. Our bankers will find us at any cost!" 
This is the assurance and insurance, when we take loans from banks, who have to follow various kinds of pre and post- sanction formalities and take other necessary precautions.
But what if all twenty-eight members of a family look alike?
--Kaushal Kishore
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