under the best- ccase scenario, in 30 years hene it could be as high as over 240, abobout, high tides a year. if we have a highest-emission scenario, it could be as high as 380 tides a year, many of those twice a day. we think, there's only 365 days in the year. pretty much, that's almost... you know, it's inundation at thatat point. >> and in this country, we have encouraged people to build on coastal areas, barrier islands, and other high-risk areas that inevitably raise the risk level and the exposure, not only by property y values, high-valued prproperties,s, but the c cost f repair d d recory, , bo for the homeowne a as we as the publ infrastcture that supppprts thth. so thi roads and bridgeand thatind of thg. so itthe costf climate chge has tbe factored in both in public and private insurance and pupublic d privatete financial support for the structures thatat support people's hhomes and where t they live. >> when floods and hurricanes happen, a lot of people assume that insurance will cover everything, and what isn't covered, the federaral governmet will then come in and make t