Dr. Grumpy: "What's up?"
Mary: "Sorry, it's Dr. Promissory. He says he needs to speak to you urgently."
Dr. Grumpy: "Okay." (picks up phone) "This is Dr. Grumpy."
Dr. Promissory: "Hi, sorry to interrupt you."
Dr. Grumpy: "What's going on?"
Dr. Promissory: "My wife recently started her own business as a mortgage agent, and I was wondering if you'd considered refinancing your home?"