Yeah, if you don't have the codebook HAM discussion will be very bland.
Darn kids = Federal government
Computers = Intelligence agencies
arthritis = surveilance
getting old = getting ready to commence with the plan
mortgage = jail term
"Yeah, Dan. I hear you about them darn kids and their computers... I hear Bob's just about got his mortgage paid off finally, but I'm getting old and my arthritis is acting up, so I'm going to sign off for tonight."
Isn't that pretty much the use case of steganography?