kaniewski. i can't think of a more helpful perspective in tackling the issues that are local in perspective. although i now live in minnesota, i have never met someone who lived in charleston full-time. we need smart thinking individuals back in charleston, south carolina. we thank you for being here today. national flood insurance program comes into play when we start thinking about how to mitigate the risks that are so impactful and negative to communities across the country. as we consider potential reforms to the nfip, we must keep in mind local perspectives and not just those from washington bureaucrats. we all know that the most effective policymaking typically happens closer to the problem, not further away from the problem. our program should foster local innovative solutions, not regulatory red tape. you have heard me say this before, that is a lifelong charlestonian, as well as an insurance professional for more than 20 years, having flood insurance policies, it is really important for