Richard Shelby actually said...

If they were doing their job, they would not have a 50 percent insurance program.

Is part of the problem... the lack of information that they are really in a floodplain area or marginal area?

But if we do not get--first, define what actuarially sound means, and get to this, it seems to me that every time there is a catastrophic ev...

Now, if you are not going to charge for the risk, who is going to be charged for the risk?