The Frustrated CFO's Preface:
Never mind the politically correct, yet patronizing, voice-over. Liberty Mutual basically offers humans to insure themselves against their own stupidity. And you know what? It's very timely. 20 years ago such commercial would offend everybody, now people think that it's cute and appropriate. Moreover, I am sure, many viewers nod their heads in recognition, "Yeah, this type of shit happens all the time to me and people I know. Just the other day..."