policy and even with the flood insurance program, one of the things is that the only team you have a mandatory purchase requirement is if you're in the 100-year flood plain. >> explain that steps. >> exactly. it doesn't mean it floods once every 100 years. i had means there's a 1% chance every year that you will flood. that means in a 30-year mortgage you'll flood at least once. so what we found is that that is dumbed-down our nation's flood control policy because in a lot of places in the country and i'm not necessarily saying in your town but in a lot of places in the country it's get 100-year protection and you're perfectly fine and you don't have to buy flood insurance but there's a 200-year event which has a half percent chance of happening refry year. >>nd the point is those are moving figures so what a storm 100 years from now is different than what it is. >> somebody is upstream from you you're now much more likely to