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as disaster areas. ten t have been declared in the east. people tend to under der estimate the role that people on the ground play. the local emergency management people react to the flood and we do the coordination to make sure the federal government steps in when they can. so far the process has worked very well. it s a scary time for our state with battling tornadoes in the east and the river in the west. i ve been incredibly impressed with the way things are going, officials as well as folks are killing up sandbags, choosing chainsaws to free people from their house. heather: sir i do want to ask you one last question. i know everybody is pitching in there. to folks around the country they look at this and say so many people are living in these low lying areas and they get flooded out year after year or every few years or so and the federal government is kicking in a lot of money through the federal government flood insurance