"But what if our flat catches fire tonight? I have a history with fires you know Steve."
Steve looks exasperated, "I'll stay awake till midnight."
I pause. I think.
Steve laughs outloud, so hard he can hardly breathe,
"You thought that the insurance company would start out new policy on the stated day, starting from when you woke up?"
Even smaller voice.
"Yes, I mean, that is when my tomorrow starts."
He has just about stopped laughing.