individuals and people can become em pawrdñr more Ñi -- empowered more quickly than waiting for their fee fema checured for earthquakes. that's one of those educational focuses people could really do to informal people about what their -- intoxilyzer room people about what their insurance is going to do for them in the case of -- >> in a city of san francisco where so many people are renters, one of the things is the rental insurance is still a pretty good deal whereas the homeowners policy is not very atrack ti. it's more attractive toÑi retrot the soft story -- >> it's a three-year bay back through insurance. >> the renter's insurance doesn't give you a place to live, it just covers your stuff. >> >> it's still a decedent -- >> the impact of an earthquake on renters and people who are covered under rent control is one ofçó the mostÑiÑi serious is of the housing picturet rental market is -- >> and -- >> (inaudible). >> if you take too long you're going to have problems. if you take too short, you're going to have problems. the best thing you can do is plan out now, orÑi at least stat the discussio