lawsuit strategy that we re seeing. the crab fishermen. four lawsuits here. these are just this year. lawsuits against oil companies. the crab fishermen versus 30 fossil fuel companies. the state of new york versus exxon. rhode island versus chevron. this idea of holding them accountable. is that a smart strategy? we saw what happened to tobacco. individual suits didn t make any difference but when the attorneys general got together, they settled. investors want to protect their investments and they see these exposures getting worse. this is the other part of the carbon tax. we have to price risk what it really costs. over $100 billion last year was put into disasters that could have been saved. if we had been doing sufahead of time. so i think part of this is how do we price our risko we re not building it the same way we ve always done. they are seeing the short sidedness of v.s that have multidecades to pay back that
the ceiling and see blue sky. i could see some of the hospital had to be gone. because i knew there was another floor above us. when i saw that, i said, this ain t good. this is not good at all. reporter: but johnson was okay and so was mcdaniel and his family. my grandpa has bruises and cuts on his back. my grandma has glass still embedded in her hair, but we re a lot better off than a lot of people. this is bad. oh, my gosh. this is awful. reporter: a lot of people in joplin were suddenly and severely wounded. but the biggest hospital in town was in ruins. pretty much turned the page on disaster plans. reporter: risko at home on his day off rushed to the hospital. he arrived to find a building he hardly recognized.