and to dig a little deeper we are pleased to be joined by debbie boyd the c.e.o. of deal b. financial services who joins us from austin texas and the c.e.o. a strong market we're forward which a thanks to both of you for being with us debbie we speak with you a lot about housing when we have a natural disaster like a hurricane like this housing is probably the most personal of the things that can be impacted what should those people in the path of florence expect well they're going to take their insurance policies with them they're going to have to lock up and take everything of value with them when they leave and also take cash they're not going to have the normal dealings with business that they have if they stay home they also have to be prepared that they're not going to be getting any insurance at this point when so storms are announced no one can sell flood in so insurance in any of those states so you had to have plan for this that's what insurance is all about that's one of the biggest problems with these storms is people are not taken off guard they just never though