If Only I Could Find a Lizard Offering a Low Car-Insurance Rate
. . .
"I don't think my request is unreasonable. When I first started thinking about switching car-insurance companies, I encountered a stoic elk who offered a full range of financial services. But an elk is just going to follow the herd. And he's warm-blooded, subject to sudden changes in climate. How do I know he's not going to migrate when the going gets tough?"