Aw heck. It’s Friday. Let’s laugh a little. One of the reasons I look at commercials like these and both cackle and nod ruefully is that I once filed an insurance claim for breaking my right hand on school grounds during band practice. I really don’t know why they paid, since I took a swing at a baritone player in band class and he put his horn up to protect himself. At any rate, under “cause of injury,” I wrote, “Struck baritone.” The form was sent back for clarification. “Please specify. Instrument or vocalist?” I mean seriously? Can you just imagine some of the things claims adjusters read every day?