Original subtitles

Morning, Krauss.

Good morning, Krauss. Don't bug me, Benson.

I am so horrible.

You know, this could be the first morning that we don't start off with an

argument.

Look at this awful picture. Does that look like me?

Yeah.

You know, I didn't think they were allowed to send that kind of thing

the mail.

Nobody ever gets a good picture of me.

Yeah, you and the Loch Ness Monster.

Well, at least I got my picture in our bowling magazine.

Now, what is that bedspread you got wrapped around your shoulders?

That's not a bedspread. Those are the royal robes. Oh, I beg your pardon, Your

Majesty.

I was elected queen of the bowling ball.

Krauss, how can you be elected queen of a bowling ball?

Not bowling ball.

Bowling ball.

Oh, I see.

It was the end of the season dance, and I was elected queen.

Who was the king?

Well, there was some sort of mix -up with the contestants, and nobody ran.

When they found out who the queen was, they probably all ran.

What is this?

That's Clayton's suit.

A taxi driver dropped it off. Clayton's coming in later.

Let me see if I got this straight.

Clayton's suit's here, but he's not.

Good morning, everyone. Sorry I'm a little late.

It's okay, Clayton. Your suit already checked in.

What is the matter with her?

Men in their underwear make her giggle.

This is my running outfit. I'm getting in shape for the executive 10K race one

week from Thursday.

So, from now on... I'm going to be running five miles to work. I'm going to

running five miles at lunch. I'm going to be running five miles home.

Shouldn't you be running along?

Hey, Benson.

Hey, Clayton, can I borrow your car? Ah, fortunately for me, I left my car at

home today.

How about you, Benson?

Unfortunately for me, I brought mine.

Can I borrow it? No.

What's the matter with your car?

Well, you know, I was parked illegally and the police towed it away.

Pay the fine, get it back.

Can you loan me $60?

No.

You've got to loan me your car. If I won't loan you $60, why would I loan you

car?

Come on, Benson. I've got to run the governor's campaign flyer over to the

printer. Why don't you get Clayton to run it over?

I've got to be there and make sure the printer does it right, okay? Please,

on, Benson. No.

Benson, I'm always doing you favors. Name one.

The time I helped you move.

The time I picked up your girlfriend at the airport.

The time I helped you put off the TV antenna. I said name one.

Here. But come right back.

Thanks a lot, pal.

Shouldn't you be wearing a bathrobe or something?

Hi, Fenton. Hi, Clayton. Hi, Katie.

Aren't you going to school today?

No, I'm sick.

Sick? Uh -uh. Don't breathe on me.

What's the matter? You got a cold?

No, it was the food at the cafeteria.

Oh, I thought Miss Krause packed your lunch.

Yeah, but yesterday I traded with Mary Jane.

She ate Krause's lunch? I'm surprised she's not homesick.

The cafeteria had mystery meat and some sort of blue vegetable.

vegetable?

I did it on a dare.

Really, Katie, that's terribly childish.

If someone dared you to jump off the Brooklyn Bridge, would you do that?

That would depend on a great number of variables, Clayton.

The odds of my surviving the impact, temperature of the water, permission of

authorities, and whether I can get a one -way ticket to Brooklyn or not.

I'll never understand why children don't like me.

Kids are people, too.

I think you've done an excellent job on this bill. Thank you, sir. Send it back

to committee, and if they incorporate the changes you've suggested, I'll

it. So how about some lunch? Sure. Are you listening to the radio? Did you

Pete's a hero. It's incredible.

He's a hero?

What? Huh?

Oh, I was running to News Radio 66. They broke the story. What happened?

Oh, here. They're doing the story again.

So what'd Pete do? Pete stopped a robbery at a jewelry store and assisted

arrest of two armed felons. You're kidding.

Pete stopped a robbery at a jewelry store and assisted the arrest of two

fellows.

I know.

Well, why didn't you tell me? Clayton, it's me.

Oh, Benson, you're busy. Good. I'll come back later. No, no, no, Pete, come on

in. What?

It's Pete. No, not yet. They're still talking to the chief of police.

No, he's here.

The chief of police? No, Pete.

Oh, hi.

Congratulations. It was really nothing, sir. On the contrary, Peter, this deed

of valor will reflect well on the entire administration. I think you deserve a

hearty well done.

Yeah, way to go, Pete.

What happened anyway?

He was coming out of the jewelry store.

He was coming into a jewelry store. Well, why don't you tell him?

I saw these two guys coming out of a jewelry store waving guns, and they

in a van and started to drive away when I stopped them.

Tell him how you did that. I blocked their path.

You could have been hurt.

Yeah.

Fortunately, that car of yours is built like a tank.

My car, you blocked their path with my car. Yeah.

They saw you in my car and they stopped.

Eventually.

What do you mean eventually?

Did the van stop or didn't it?

Yeah.

Halfway across the front seat.

My car? You wrecked my car?

Vincent, it was my civic duty. It wasn't your civic duty to wreck my car?

Denise, get my insurance policy, please. Okay. What is the matter with you?

Please,

he's been through a lot.

That's nothing compared to what he's gonna go through.

There are more important things than material possessions. You're right, and

car is one of them.

Come on, Benson, you're insured. Why would you do something stupid like that?

He reacted instinctively.

Denise, my policy, please.

I'm trying to find it.

You know, I think I just got tired of looking the other way, and darn it all,

felt it was time to get involved.

Next time, get out of my car before you get involved.

Pete, I can't tell you how proud I am of you at this moment.

Thank you, sir. What you did was truly admirable. Hear, hear.

You know, Peter, I'm having a few friends over tonight. If you're not

don't you join us?

Talking tea and cookies or a meal? I'm talking buffet.

Oh, I'm there.

Listen, Pete, come on up to my office. I want to hear the whole story. Oh, sure,

sure. Although a lot of it's going to be on the evening news.

But what about my car?

Does anybody care about my car?

Benson, as long as I let it slip about that get -together tonight, why don't

drop by?

I can't drop by. I don't have a car.

Oh, of course. How silly of me. Well, we'll miss you.

Now, Pete, hold your newspaper still.

Squeeze together just a little more.

That's it. Good.

Now me.

Oh, good. I'll take aggressive. Oh, come on, guys. This is embarrassing.

Good, here's Benson. Benson, come be in the next picture.

I don't want to be in any next picture until I get my car back.

Denise, where is that insurance guy? He said he'd be here between five and six.

Great, I'm going to be here all night.

In that case, I'm going to the movies.

Well, good night all. I think I'll run the long way home tonight.

You know, Clayton, the only thing I admired about you was the way you

And now even that's gone.

Come, come, come, Benson. Running is good for you. You really ought to try

especially now that you don't have a car.

What's the matter, Benson? No clever comeback?

Thank you, Cross. I owe

you one.

Okay, why don't you pick me up around 7 o 'clock?

I should be finished with that insurance guy if he decides to show up.

Okay, I'll see you then.

Come in.

I'll bet you any money that's him.

I was right. Come on in.

Hi, I'm Wally Hopkins from the Zachary Taylor Auto Home and Life.

But that's not who I'm insured with. No, you were insured with Beneficial of

Baltimore, but we bought him.

So now I'm with Zachary Taylor. Yep, you got yourself a piece of the Zach.

Well, why don't you have a seat, Mr. Taylor?

Hopkins, but you can call me Wally. Okay, okay.

Wally.

Now, about my car... You know, I punched you up on our computer this afternoon,

and I noticed you weren't carrying any life insurance.

Well, I never carry life insurance. I put most of my savings in the money

market. It pays a higher return.

But suppose you die.

Well, it really doesn't matter, does it?

But what about all those little ones at home?

Well, I'm sure the cockroaches can take care of themselves.

Can we talk about my car?

Okay, but before I leave, we're going to talk life insurance.

I can hardly wait.

Now, tell me about your car.

Well, it was involved in an accident. I took a look at it this afternoon, and

it's totaled. How do you know it was totaled?

Well, I would consider any car in the shape of a horseshoe total.

We'll make that judgment.

Now, how exactly did the accident occur?

Pete Downey borrowed my car.

You're telling me this Pete Downey was driving your car at the time of the

accident? Yes.

The car is still covered, isn't it? Of course, but I will have to make a note

that. Now, how did the accident happen?

Well, as I understand it, Pete was around 8th Street. This is the fellow

was driving your car?

I already told you that, yes. He was in front of Adele Jewelers. In the car.

Do you have life insurance?

All right, all right.

You're so tense.

Well, anyway, he saw these jewel thieves escaping in a van, and he used my car

to stop them.

Oh, I heard about that guy on the news. Do you know him? No, I lent my car to a

perfect stranger. Of course I know him.

All right, now let me make sure I've got this straight. You loaned your car to

Pete Downey. While he was down on 8th Street, he saw a robbery taking place

he drove your car in front of the path of the getaway vehicle in order to stop

the crooks from getting away.

Right. He saw the crooks and drove your car into the path of the oncoming

vehicle. All right.

That's a brave thing to do. All right. But it's no accident.

What do you mean it's no accident?

I mean it was willful damage. Our company doesn't cover that.

What are you talking about? The van hit my car.

Yes, but the van had the right -of -way.

Right -of -way? They just robbed a store.

They were trying to make it get away. Your car was deliberately placed in

of the oncoming van.

I'm sorry, Mr. Dubois, but your policy does not cover the deliberate

of property.

Listen, when I bought this policy, they told me that the car was covered no

matter what happened. I believe your policy says in the event of accident,

car is covered.

The car was not in an accident. The van was in an accident, and we will assume

that liability.

You're going to pay the crooks, but not me. What you're telling me is that this

policy I have is worthless.

You're not being fair.

I'm not being fair?

If you're not going... to honor my claim, what good is this policy?

What have I been paying all these years for?

Peace of mind.

Hey, Benson, hurry up. Pete's on the evening news. They've got film at the

aftermath. Hey, I'd like to see that. Listen, think about that life insurance

and give me a call. Here's my car.

And there's my door.

Little girl.

Benson, I don't have the time right now. I've got to do a talk show at noon.

What time is it now?

9 .30. Then you've got time.

Yeah, but I thought I'd get a haircut first.

Oh, Pete, listen.

I've had an overwhelming response from the people about your act of heroism, so

I think your bravery should be publicly acknowledged.

So I've decided to award you the Governor's Medal for Valor.

Medal? You deserve it, Pete.

Well, whatever you say, sir.

I'll get some TV people over here. We can make it live on the 6 o 'clock news.

Fine. See you later, Tiger.

Congratulations,

Pete. Yeah, congratulations.

Now, into my office.

Get a haircut later.

Benson, before you say anything, I'd like to say I'm sorry.

Oh, now, you've already said you're sorry. I accept that. I don't want to

you say I'm sorry again. What I want to hear you say is, Benson, here's how I'm

going to pay for your car.

I'm sorry.

No, I said I don't want to hear that again.

Pete, have a seat.

Now, the insurance company isn't going to pay. Why not? Doesn't matter.

I talked to my lawyers. They don't have to pay.

I'm stuck without a car.

I'm sorry.

Would you stop that?

Well, how much is it going to cost to replace the car? Well, when I bought the

car eight days ago... Gee, I'm so upset.

$8 ,349, not including dealer print.

So it's around $8 ,500.

Uh -huh.

Well, I think I have a solution.

Mm -hmm. Guy from the jewelry store called me up, and he said, well, since I

saved the insurance company about $400 ,000, they're going to give me a reward.

And? Well, I figure it's going to be about $10 ,000.

And? I suppose when we get it, we could go down and get you a new car.

Yes, this is wonderful. Thank you very much. I'm glad we could straighten this

out. Yeah, me too.

Gee, I really had plans for that money.

I'm sorry.

Oh, excuse me, Benson. I'm going to use your shower.

What's wrong with your shower? Mine's all clogged up. Well, call somebody and

get it unclogged. No, I can't do that. I've got a meeting with the Council of

Churches in 20 minutes.

Did I say he could use my shower? Clayton, get out of there!

This guy gives me boils.

He's spoiled rotten, Benson. At home, he probably got to take a shower whenever

he wanted to.

See?

What are you doing?

I hide his clothes.

There are eight million stories in the Naked City, and this is one I don't care

to see.

And this is the kind of life insurance I'd recommend for you. It's called a

whole life policy.

Which means before I collect, I have to lose my whole life.

Miss Krause, think of it this way.

It's an insurance policy with a savings account built in.

No, it's a bet.

Every month I bet you $41 that I'm going to die and collect $20 ,000.

And you're betting the $20 ,000 that I'm going to get tired of paying $41 before

I die.

That's one way of looking at it. So unless I die, I lose a bet.

And if I win, I won't be around to collect it.

Heads I lose, tails I'm dead.

but you're overlooking some very important features life insurance gives

security in your retirement it acts as an annuity and in the meantime if you

have an emergency you can borrow the money back at a very low interest rate

You're going to loan me my money and charge me for it? No, thanks.

I'd rather take the $41 to Las Vegas every month.

Ah, just the man I've been looking for?

Oh, really? What do you want? I came to talk to you about your automobile

insurance. Oh, so you guys changed your mind about paying for my car, right? Oh,

not exactly, but you'll be happy to know that we have paid off the owners of the

van. We believe in settling our claims properly.

You went to jail and paid off the crooks.

Yes, but they're not in jail anymore. They use the money for bail.

Well, let me see if I've got this straight now. Two thieves who held up a

jewelry store and plowed into my car are now running around at large, courtesy

of my insurance policy. I believe that sums it up.

Well, no wonder my rates keep going up.

Mr. DuBois, if your rates have gone up, I'm sure there are legitimate reasons

for the increase.

Oh, really?

Like what, for instance?

Well, have you ever dropped your policy?

Oh, yeah.

One time when I was in the Army in Korea.

Strange as it may seem, I didn't think I needed automobile insurance in a

foxhole. And after Korea, did you ever take up residence in a densely populated

urban area?

Yeah, how stupid of me. I wanted to be near my family.

Well, there you have it. These negative factors in your profile would account

for any increase in your insurance costs. Of course. But Tuesday's little

is another matter.

What are you getting at, Wally?

Well, I could have just sent you this in the mail, but since you've been a

policyholder for over 25 years, I...

Thought I'd present it in person.

Thank you so much. I suppose you're raising my rates again.

No, actually, you don't have to pay anything anymore.

Well, that's something.

It's your 30 -day notice you've been canceled.

Benson,

do me a favor.

Have you stopped wearing clothes altogether?

I'm in the middle of my last five miles.

Would you explain to the governor why I won't be at the awards ceremony?

I'm not going in there, Clayton. I'm going to watch it on TV. But if I see

I'll tell him. Thank you, Benson. I want to get in my 15 miles for the day.

Aren't you getting a little carried away with this running?

Benson, there are going to be 700 runners in that executive 10K race. I

be ready. I run 15 miles every day of the week.

Except Saturday and Sunday. Those days I run 20 miles each. 20 miles?

Yeah. When I pick up that trophy, it'll all be worth it. Hey, oh, turn up the

sound. Here comes the governor.

Thank you, Jerry.

That was exciting footage of today's Executive 10K. There you go. That's my

today.

Supposed to be next Thursday.

You ran the race on the wrong day.

If I were you, Clayton, I'd demand all 700 of those runners apologize to me.

Okay, Jerry.

Right now, I'm in the governor's mansion where an award ceremony is just about

to begin. Ladies and gentlemen, Governor Gene Gatling.

Now, before I make my presentation, I would like to introduce the president

chief executive officer of Zachary Taylor Insurance Company, Mr. McDonald

Taylor. Thank you, Governor.

It's the same insurance company that refused to pay my claim. I feel like

been cheated.

You feel cheated?

I'm not even going to get a T -shirt.

I have shin splints.

My shower is clogged.

Krauss keeps laughing at me.

As you know, our firm carries the insurance for the jewelry store where

attempted robbery took place.

Just give Pete a reward.

Had it not been for Mr.

Downey's heroic efforts.

our company would have suffered a loss of $400 ,000.

So in recognition of that effort, we would like to present Mr. Downey with

beautiful gold pocket watch.

A pocket watch? I hope it's

worth $8 ,500.

Thank you. Thank you, Mr. Taylor. Our pleasure.

At Zachary Taylor Insurance, people.

Always come first.

I believe I'll have a little talk with Mr. Taylor before he leaves.

And Mr. Downey's effort should stand as a shining example of citizenship and

unselfishness. Oh, Mr. Taylor, allow me to present Benson Dubois, State Budget

Director. Come on over here, Benson.

No, that's all right, Governor. I'll wait till you finish. Oh, don't be

You're a part of this. It was Benson's car that Pete was driving at the time he

stopped the thieves. Did you know that?

No. Yes.

Car's totaled now.

Brand new car, too.

What a shame. I hope you were insured.

I was.

Once.

Gee, what a good -looking watch, Pete. Is that your reward?

Yeah.

All I got is a wrecked car.

You mean your insurance company refused to pay the claim? Yes.

And they canceled me, too.

Well, that's terrible. Can they do that, Mr. Taylor?

I hate to say it, Governor, but they can in this state. And some companies are

more interested in money than people.

You won't find that attitude at Zachary Taylor.

I had a piece of the Zach once.

Zachary Taylor. That was my insurance company once.

You mean you canceled Benson's policy?

Yes, sir. They said I had a negative profile.

You canceled Benson's policy because you don't like the way he looks from the

side?

of misunderstanding, some computer error.

I hardly know what to say.

I wish you'd say you won't cancel my policy.

I won't cancel your policy.

And that you'll pay my claim?

Fine. Anything else?

Yes, now that you mention it, Mr.

Downey here saved your company $400 ,000.

So? That pocket watch doesn't seem like much of a reward.

You can say that again.

How much is it worth, anyway?

$12 ,000.

I hope it's insured.

Ross, if I'm not mistaken, I think you've got to run with that broom before

can take off.

Oh, a mouse.

Friend of yours?

No. I want to bash his little head in with the broom.

Then what are you going to do? Mount it over the fireplace?

Mouse, give me that broom. Get down from there. I'm not getting off this chair

until that mouse is a goner. Well, you can't stay up here all day.

I can as long as that mouse is in my kitchen.

Give me the broom.

I'll take care of it.

Right after lunch.