OK. Well, we will work on that, and we will see if we can come up with some better language and a better Section 312.

Just human nature being what it is, you are going to have some fraud here.

If they go through the appeal process, do they still have to pay interest on the full amount that they have to pay?

I think it cost them something like a million dollars a week just to maintain.

OK. So having floods in, say, North Dakota or something is one thing. Do you think these the new procedures--will stand up to another massive disaster like a hurricane, or something similarly large-scale, such as earthquakes?

We would like to look at that, and maybe if we can work through the process maybe we can develop some legislation on it.

But have you done any analysis of how much it actually costs to try to collect?

It seems like every time you turn on the TV or hear the news it is getting a little bit worse.

This is not going to work, and what is going to happen is something is going to fall between the cracks.

Before the lawsuit, the court determined that FEMA was not following due process, whatever that might mean in this circumstance.

Thank you. Again, I want to thank you all for being here.