all watching this next one very, very closely. leeland: as you note, when two insurance companies begin to argue about who is responsible for any damage it is the consumer who almost invariably, in that situation, loses. i'm guessing someone like you, harvey, would come in, august, to talk about the disaster insurance. , i only have 30 seconds or so. when does this assessment began to take place? what do folks like you talk to homeowners and say okay, this is what you might get in this is what i can help you get? >> as a lawyer, i only really should have to go in when things break down into work. in theory, homeowners should be able to call their home insurance company, fema or whoever the interest-only