Bill Nelson actually said...

the private sector cannot easily compete with the public sector in providing reinsurance.

We've had La Nina, the cold Pacific waters. Your bulletin, dated just a week or so ago, says, that El Nino is arriving.

With the amount that they're having to pay for homeowners insurance now if you're in a coastal area, you would think that people would be as...

And you might discuss whether or not you think we're making progress on reducing hurricane impacts.