state level. we had pre-christian and post-christian. again, the point is this is a risk pooling enterprise and if you have one area of the country, you see the share between insurance and federal aid has really flipped. also the number of weather events per year that's cost over a billion dollars in damages from 1980 to 2012 has speck. i mean now the question there is there's two things going on there. there's more concentration of value in areas that are flood prone and there are worse weather events. the question i want to ask is reconceptualizing federal policy and state policy in the face of climate disaster because no one is talking about that and what we'll do we'll keep passing supplementals and keep programs that were put in place in 1968 when you had a complete lui different climate up into the future and penny wise and pound foolish. i want to talk about that after this quick break. ♪