more people to take risky behavior and put houses where they shouldn't be. i would like to make the program work. i would like to make it efficient enough to do the job. it has no money and 20 billion in debt. and all we have to do is look at the history of fema on the coast. you know whether it was katrina or when they come in to help mow in my district. they are not popular. i do spend a lot of time. it is the bureaucracy that i get the most complaints about. i suggest there is a better way to do these things. >> you think the federal government has a role to play. think rescue operations are good. but the insurance program is economically unwease. and so it is no longer insurance but a free bail out for taking the rick.