That surprises me, though, that you would say it is thousands. I would think it would be far more homeowners than that.

So you talk to the mayors? I just want to make sure I am following. You talk to the mayors, you talk to the county officials.

So when someone discovers that, because of the map, they are now in a flood zone, they had not been in a flood zone before, I understand that there is an appeals process for that.

So maybe I should have asked this the other way to get the base rate. How many homeowners have been affected by moving from not in a flood zone to in a flood zone?

the devil is in the details

I think it is very important.

I would be very opposed to hard-coding underwriting standards.

I am worried about the question of whether or not we need some Government regulation of the nonguaranteed market.

we absolutely should not set underwriting criteria in legislation

the 2008 crash started one lousy mortgage at a time

I very much appreciate the attention you are giving to this.