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5d we control from a regulatory or standpoint. In the longer term, companies are withdrawing from writing insurance in coastal 10 years from now how are we going to get hazard insurance . Maybe the government will step in, but its a continuing issue. Senator brown senator advance of ohio senator vance ised. Thank you for being here. These hearings are important and have an opportunity to provide over what is going on in the fevered that affects our constituents. I wanted torm focusn basal3 and there have been various proposals that draw them down to banks and go back to one of the most significant crisis in our Banking Sector and the u. S. Spoke in private and i believe in public, but one of the concerns i have when we about Capital Requirements on the banks and there is maybe an argument that they would bought longterm treasuries and even treasury bond risk and would hasten the collapse. I guess i want to start here, when we talk about some of the basal regulations, what was the origi

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