I have this same thing happen alot more often then it should....

Me - "Welcome to Health Insurance Inc, how may I help you?

Stupid Customer - "Yeah, I need to know...you know how we get, like, limits on what we can claim each year? Are they on a calendar year basis or financial year basis?"

Me - "A calendar year basis, sir"

Stupid Customer - "Okay, so that's July to July then?"

Me - "Ah, no, no it's a CALENDAR year"

Stupid Customer - "O...kaaaay. So, um... when is that, like, when does a calendar run?"

Me - "That would be January to December"

Stuid Customer - "Ohhhhh, oh okay then. Well thanks!"