So you're on a diet and exercise plan, with the goal of losing weight. As you begin to melt those pounds away, you realize that your clothes are feeling baggier. You know you could use some new outfits, but you don't want to buy a bunch of things that are just going to be too big again in a matter of time. That's where jean insurance [1] comes in.

The company is called Lose and Win Free Jeans [2] and here's how it works. You go out and buy a new pair of jeans. You send your receipt and 30 percent of the cost of your new denim to Bertie Ranger, the president of the company. After you spend some time eating right and exercising regularly, you're bound to need a smaller size. So you mail your jeans back to the pres., and she'll send you the full amount of what you originally paid for them. Then you can go out and buy a second pair of jeans. If you want, you can insure those, too.

It's a clever concept, huh? Now I bet you wish you thought of it first. Tell me, do you think you'd ever buy jean insurance?