But you are making a very concerted effort to make sure that we go into the next round and try and roll this thing back.

So it is really just the complexity of individual issues as opposed--and being able to account for that 29 percent of all land that the Federal Government operates and that is now under your jurisdiction?

It is a tremendous challenge. It is not that we do not know what to do. It is not that we do not have the tools to do it.

Just from premiums.

The bottom line is I think the solution here is reduce the complexity.

Do you have any estimates so far of how much of the cost of the disaster is going to be borne by private insurance versus State governments versus the Federal Government?

Thank you, Mr. Chairman, and thank all of you for coming in and testifying.

As the NFIP was reauthorized, there is no affordability.

I truly appreciate the fact that you really are looking at the Flood Insurance Program and working through those very difficult issues.

OK.

I hope you think we have been pretty kind and gentle on you. I think these are some pretty legitimate questions.