— Baby, you know if my malpractice insurance goes through the roof, you're going to have to take a step down lifestyle-wise.
— I live in a tiny apartment with my husband, his best friend, and their dead stuffed dog. What's the step down?

— Tomorrow, you'll make an appointment with the doctor and see what he says.
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— Then there's expense.
— If you must pay money, better to a doctor than an undertaker.