Niles: Well, why don't you just find another insurer?
Roz: Oh, you know who you should talk to? Ann Hodges!
Frasier: Oh, Roz, have you lost your mind? I never want to see that woman again.
Niles: Who is she?
Frasier: Oh, a friend of Roz's. We had a stunningly bad date, during which my behavior was less than chivalrous.
Roz: You ate her ravioli, then hit on another woman in the same restaurant.
Frasier: Which I concede was less than chivalrous.