S.C. Anderson
PO Box 1302
Minnetonka, MN 55345

Superior Health Insurance
ATTN: Claims Review
1423 W. 90th St.
New York, NY 05016

Dear Sir:

This letter is in response to your recent letter requesting a more
detailed explanation concerning my recent internment at Methodist Hospital.
Specifically, you asked for an expansion in reference to Block 21(a)(3)
of the claim form (reason for hospital visit). On the original form, I
put ``Stupidity''. I realize now that this answer was somewhat vague
and so I will attempt to more fully explain the circumstances leading
up to my hospitalization.

I had needed to use the restroom and had just finished a quick bite
to eat at the local burger joint. I entered the bathroom, took care of my
business, and just prior to the moment in which I had planned to raise my
trousers, the locked case that prevents theft of the toilet paper in such
places came undone and, feeling it striking my knee, unthinkingly, I
immediately, and with unnecessary force, returned the lid back to its normal
position.

Unfortunately, as I did this I also turned and certain parts of my
body, which were still exposed, were trapped between the device's lid and
its main body. Feeling such intense and immediate pain caused me to jump
back. It quickly came to my attention that, when one's privates are firmly
attached to an un-moveable object, it is not a good idea to jump in the
opposite direction.

Upon recovering some of my senses, I attempted to reopen the lid.
However, my slamming of it had been sufficient to allow the locking mechanism
to engage. I then proceeded to get a hold on my pants and subsequently
removed my keys from them. I intended to try to force the lock of the device
open with one of my keys; thus extracting myself.

Unfortunately, when I attempted this, my key broke in the lock.
Embarrassment of someone seeing me in this unique position became a minor
concern, and I began to call for help in as much of a calm and rational
manner as I could. An employee from the restaurant quickly arrived and
decided that this was a problem requiring the attention of the store manager.

Betty, the manager, came quickly. She attempted to unlock the device
with her keys. Since I had broken my key off in the device, she could not
get her key in. Seeing no other solution, she called the EMS (as indicated
on your form in block 21(b)(1)).

After approximately 15 minutes, the EMS arrived, along with two
police officers, a fire-rescue squad, and the channel 4 ``On-the-Spot''
news team. The guys from the fire department quickly took charge as this
was obviously a rescue operation. The senior member of the team discovered
that the device was attached with bolts to the cement wall that could only
be reached once the device was unlocked. (His discovery was by means of
tearing apart the device located in the stall next to the one that I was in.
(Since the value of the property destroyed in his examination was less than
$50 (my deductible) I did not include it in my claim.) His partner, who
seemed like an intelligent fellow at the time, came up with the idea of
cutting the device from the wall with the propane torch that was in the
rescue truck.

The fireman went to his truck, retrieved the torch, and commenced to
attempt to cut the device from the wall. Had I been in a state to think of
such things, I might have realized that in cutting the device from the wall
several things would also inevitably happen. First, the air inside of the
device would quickly heat up, causing items inside the device to suffer the
same effects that are normally achieved by placing things in an oven.
Second, the metal in the device is a good conductor of heat causing items
that are in contact with the device to react as if thrown into a hot skillet.
And, third, molten metal would shower the inside of the device as the torch
cut through.

The one bright note of the propane torch was that it did manage to
cut, in the brief time that I allowed them to use it, a hole big enough for
a small pry bar to be placed inside of the device. The EMS team then loaded
me, along with the device, into the waiting ambulance as stated on your form.

Due the small area of your block 21(a)(3), I was unable to give a
full explanation of these events, and thus used the word which I thought
best described my actions that led to my hospitalization.

Sincerely,

S. Anderson