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in places like lulu, my home state of florida, the insurance market, there is a disaster right now because it s just too expensive to keep insurance open there lulu, what do you think s going on here? yeah, climate change. hello, this is the problem that we re having and we re facing it more and more. i mean, we ve had this as the canary in the coal mine for some time, but now we re facing an actual insurance crisis in places like florida because it simply is unaffordable to be able to ensure your home. and so now, people are not ensuring their homes and what s going to happen when the next storm comes, their houses are gonna be destroyed. ryan khan, some politicians are suggesting a government option where the government would be the insurer of last resort but there are people in my guesses, you might think that this creates a moral hazard where we are protecting developers and protecting homeowners from building and living in places that are dangerous like on seashores with risin