i'm glenn pomeroy, the state created earthquake insurer for homeowners. we are here talking about preparedness to recovery. speaking in terms of the individual, the future survivors that was spoke about so eloquently. just a quick comment. the only way that those individual homeowners or apartment dwellers that could have the financial strength to rebuild is if they have an earthquake insurance policy that is provided in our part by this nonprofit state traded california earthquake authority. earthquake insurance is specifically excluded from your homeowners insurance. it's important for people to realize that. the only way they have financial security for earthquake damage is to purchase a separate earthquake insurance policy. they created a. we're a nonprofit carrier. we are trying to make the cost is affordable. it isn't cheap. senator feinstein in the senate and three republican members in the house have introduced identical legislation cause the earthquake insurance act. we would save $100 million a year for california policyholders so i would encour