Patrick Toomey actually said...

Let's do no harm. Right now, under existing law, NFIP is moving toward an actuarially sound premium program.

there is a way to have a sort of independent verification of whether or not the risk pricing is as fair as it can be

I think the current system of NFIP is not working properly, it is problematic for taxpayers who have to bail it out, year in and year out.

I think about the repetitive loss and severe repetitive loss properties in particular.