When a Geico punchline falls in the forest, it makes a sound. It's the audience, groaning.

1.  Yes, "everybody knows that."  Of course, what "everybody knows" is not that "fifteen minutes can save you fifteen percent."  It's "everybody knows that's been Geico's motto since roughly the Polk Administration."

2.  Why does this woman feel compelled to voice the vapid non-thought which popped into her brain when she saw the commercial? Is she showing off her reading skills?  Like "check me out, I can comprehend what the screen says.  Impressive, huh?"

3.  If you are working out and you can carry on a conversation like this, you aren't working out.  These women achieve a more rapid heartbeat sprawled on their couches, surfing their cable selection.

4.  If you didn't know way in advance that the stupid tree falling in the stupid forest was going to say "little help?" you were either not paying attention, REALLY stupid, or a liar.  Because wow, talk about an obvious line.

5.  Is Geico even capable of producing a commercial which effectively sells it's product? Because there's no evidence of this that I have ever seen.