. >> i express my appreciation to blaine leutkemeyer in efforts to get ahead of this issue a little bit. national flood insurance program currently $23 billion in debt, that is the clearest indication we ever have that is not working in its present form. from the hearings will help so far, i am encouraged that at least every member seems to be able to agree on that. at one time, age 03 was said to be the broadest, most inclusive form of insurance ever written, standard homeowner's insurance policy not only covered a lot of perils such as fire and wind at one time, it had liability coverage and if you can shoot the neighbor with a bow and arrow, that provision is pretty broad. don't know if that is still the case, still considered the broadest but the question i have is a historic one if any of you could answer it. and that is if flood was ever included in standard property insurance policy before, homeowners or otherwise. can any of you answer that estion? >> not to my knowledge. >> can you repeat the question? >> yes. was the peril of flood ever before coverage by age 03 policies? was