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Fully Comp

I hope you don't mind this story, it is about a friend of mine.

His wife got involved in a car accident and was injured, she was taken to hospital, as my friend arrived he went in to see her, she was talking all gibberish, the doctor said, "Is she fully compus mentus?"
Well my friend is a little hard of hearing and said, "No, we couldn't afford that we are only third party fire and theft."
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