Panel 1:
Xeno and Vlad
Xeno: Don't think I'm stupid for taking precautions.
Vlad: Has a rat ever climbed up through a toilet and bit you on the ass?

Panel 2:
Xeno and Vlad
Xeno: Have you ever been in California during an earthquake?
Vlad: No.
Xeno: Are you denying that earthquakes are real?

Panel 3:
Xeno, Vlad, and Estragon
Caption: Later...
Estragon: Jeebus, what stinks?
Xeno: We're wearing diapers.
Vlad: To protect against toilet rats.
Estragon: Hm. Makes sense.