Richard: You sure he's legit?
Lorelai: Of course it's legit. Come on, Dad.
Richard: Don't be naive. There are schemers about preying on the naive.
Emily: John Kendall.
Richard: John was drinking at a party, met a fellow, switched all of his coverage to the guy, wrote him a huge check on the spot. Then he suffered earthquake damage, and there was no record of the insurance transaction. It was a scam. Now he's working at the gift shop at the Grand Ol' Opry.
Emily: Horrid music.
Richard: Sells cowboy shirts and toy banjos.