Deborah Ross actually said...

"But it is having a significant impact--"

"I agree with you. I just think it would be a good preventive measure to do it in conjunction with the institution so that they can prevent that risk from ever being taken--"

"for every $1 in mitigation, you receive a $3 benefit in value when it comes to relief"

"we have created this model, that we use the word ``insurance'' when, in fact, what we have created is a relief model"