freddie and fannie. there's a rating agency called demo tech which has leapt from being a negligentable presence in florida's homeowner insurance market when they started in the 1990's to now over 50% by 2018. for that i commend the report when insurers exist climate losses fragile insurers and mortgage markets. demo tech's ratings are so slippery that almost 20% of florida insurance companies it rated have already gone bust. remember, 2008 and rating agencies? all this is happening because the fossil fuel industry has been allowed to main ana free to pleut business model -- pollute business model. contrary to basic principles of market economics, not to mention basic morality and deansy. when -- decency. when those negative externalities are not based into the price of the product, it's called a subsidy and this is a big one. $700 billion every year in the u.s. alone. when trump was soliciting a billion dollars in political money from the fossil fuel industry, and by the way, he got $100 million that we know of, this was a pretty sweet deal, $1 billion once to trump and $700 billion to lock in that subsidy every single year. and who pays? we do. one of the ways we