Three dudes die. One is a doctor, the other is a surgeon, and the last is an HMO. St. Peter greets them and explains they can't get into heaven just yet. They each need to do something first. St. Peter turns to the doctor, ""You were a good doctor, but you didn't always make time for your patients, and some of them dies because of it. You must apologize to them all before you can enter."" The doctor agrees and an angel takes him to the patients. Next, St. Peter speaks to the surgeon, ""You were a great surgeon, but one day you were in a hurry and your patient died. That person must forgive you before you can go to heaven."" The surgeon agrees and an angel comes to take him to the patient. Finally, St. Peter gets to the HMO, ""You were a great HMO, so you can get into heaven with no hassle."" ""Really?"" asks the HMO. ""Yes, but you only qualify to stay for three days.""