It seems there was a woman who received some bad news. Her husband had been in an automobile accident and was brain dead. The doctor told her some good news, though. They had perfected their brain transplant technique and that she was lucky there were three fresh brains in the brain bank from which to choose.
A large explosion had killed a firefighter, a captain and a chief. Having insurance, she requested the cost for each of the brains. The firefighter's brain was $10,000, the captain's brain was $50,000 and the chief was a MILLION DOLLARS! Curious, she asked why the chief's brain was so much more expensive.
The reply... you see the chief's brain has never been used!