now, there are kind of downstream effects that i think people will be tangibly seeing, including some in their wallets, i think. and most think about homeowners insurance. if you are dealing with hurricanes, floods, everything is changing right now. how is it actually affecting homeowners insurance? california and florida are the canarys in this coal mine. no pun intended. the big ones have essentially pulled out of california, modified there. in florida, aaa, lexington and farmers modified how they cover. they are having insurance crises, louisiana also dealing with this. florida may have to pass a hurricane tax. they have enough of a pool of money to pay for the damage. and, bill, so there is this thing that is actually really fascinating me. it s about white paint. tell us how that can have an impact on how climate change plays out in some of these major cities. well, if you have seen
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