dr. robert hartwig of the insurance information institute says looking at patterns can help designate what kind of coverage is necessary. "we should look for events that have a combination of types of loss. we have loss from wind, for example, as we've seen in all hurricanes, but also coastal inundation and river and lake flooding like we saw with sandy." meanwhile, an unexpected economic impact of the storm is hitting the jersey shore - there's a baby boom! birth rates are up 34%, of so-called "sandy babies." donations are dropping at livestrong. the non-profit was started by famed cyclist lance armstrong, who later left the charity following a doping scandal. livestrong collected $22 million in 2012, down 8.1% from 2011. the charity said it's pleased with its performance. still to come, two days old and already in the money: a look at the enormous wealth awaiting the royal baby, later on. plus, apple re-action: how that stock is likely to trade today. but first, how investors are getting into gear as detroit's finances fall flat. first business continues after this. hi, i'm ben affleck,