Daphne: Oh, come on. There's a toll-free service number right here on the receipt. Just call them and tell them what happened.
Martin: Why should I?
Daphne: Because otherwise, you could end up like my brother Nigel and his baby teeth.
[The three Crane men exchange silent glances, wondering who will crack and ask Daphne to elaborate]
Niles: What happened with your brother Nigel and his baby teeth?
Daphne: Well, like any child, the first time he had a tooth fall out he put it under his pillow at bedtime. And sure enough, the next morning he found that Winston Churchill had left him a shiny new coin.
Martin: Question.
Niles: No, Dad, we're not stopping. Go ahead, Darling.
Daphne: Well, instead of being grateful, he got greedy and went off to school, punching people in their mouths and scooping up their teeth. Of course, it didn't work and he got kicked out of school, became a thief, and eventually went to prison.
[Martin doesn't understand the point of this story. He signals his confusion to Frasier]
Frasier: Where he... fittingly had all of his teeth knocked out?
Daphne: No, he lost his teeth years earlier in a rock-eating contest. Now that's an interesting story. We were renting a house next to a quarry at the time...
Martin: All right, all right. I'll call the bank!