example where you have a house that is worth $200,000, a guy has replaced it three times so he is into the government for overñi $800,000 and that is a gd deal. the protect started in 1972 because the private markets, of course, they set their rates based on actual risk and if people did not want to pay the high premiums so the politicians stepped in and we are now $20 billion in debt. but, yet, what happens, other states where there are premium holders, for instance, in michigan, in my district, all of the great lake states are, really, significantly disadvantaged because we don t have hurricanes, and besides this we don t live below sea level, we lockdown at the water, we don t lockup at the water and michigan pays more than six types in premium than we get back in claims as an example. so, i don t believe, look, we are americans. when other americans are hurt by a until disaster we have to step in and i think, then, we should have, you know, fema, and some