of how government and regulations have their place. i remember after andrew a rigid new set of building codes that were implemented not only in south florida but across the entire state. how big of an impact do you think that will have when we have to face a cat 4, cat 5 storm? >> joe, you obviously have great insight. that was one of the biggest lessons learned from 25 years ago. i'll never forget being in a helicopter over ground zero which was downtown homestead florida. i saw only two buildings left. one was the bank building, and the other one was an old florida cracker house which had been built back in the 20s to withstand the winds, and everything, i mean everything, was levelled.