Well, one of the benefits of living in the Twin Cities is that sometimes, on your way to work, someone rear ends you at a red light. Sometimes they do it hard enough to ram you into the car in front of you. And sometimes, this happens after you buy the first car you ever had to make payments on. I guess, to be fair, this could have happened in Morris, but there are many fewer cars there… Arrr. This will probably make for an unpleasant weekend of phone tag and appointment making.