Opportunity knocked; I was in the shower.

Conversation with a guy begging for change:

Him: Do you think you could help me out?
Me: Sorry, I don't have any spare change.
Him: I need a thousand dollars. I'm looking to start a franchise; all I need is a loonie. I would have made you partners.
Me: Oh, that's too bad. But I have student loans, so it wouldn't be a sound investment for me.
Him: Fair enough.