having a pretty devastating impact. let me show you where our movements are. obviously the fastest growing cities in america, look at them, they're in the southwest and the west. you already can see where we're headed. the number one thing that brings up is the issue of water and drought issues, as you can see here. some of the fastest growing counties are in places that are basically water stressed. we already know with the colorado river and restrictions going there. yet the fastest growing areas are in phoenix. are they going to be able to have enough water? then you've got the issue of rising heat issues. well, guess what, some of the fastest growing places in the southwest are also going to be places where we're going to have some extreme heat. we already saw what happened with extreme cold weather in the texas power grid. that's going to have more implications there. then, of course, we saw this week what happens when you get extreme rainfall in the northeast and whether the infrastructure there is going to hold up, but where you have some fast growing populations in places that are also getting extreme rainfall, whether it's in the pacific northwest or down