is this vote dead on arrival? we'll go to the hill. absolutely not paying , but i'm an annual fee. discover has no annual fees. really? yeah. we just don't believe in them. oh nice. you would not believe how long i've been rehearsing that. no annual fee on any card. only from discover. ♪ [ telephone ringing ] -whoa. [ indistinct talking ] -deductible? -definitely speaking insurance. -additional interest on umbrella policy? -can you translate? -damage minimization of civil commotion. -when insurance needs translating, get answers in plain english at progressiveanswers.com. ♪ -he wants you to sign karen's birthday card. it's a high honor.