I guess everyone has suffered a bit in this last recession…
Me: Do all birds hibernate (sic)? Or do some stick around in the winter?
Daughter: The snow owl does!
Me: Really? We’ll have to keep an eye out for one…
Daughter: They live in Antarctica!
Daughter: Yeah! The have camouflage… to protect them from creditors.
Daughter: No, creditors!
At least they didn’t get a loan from Big Tony…