and craig, you dealt with this, and margareta also. also, some of these vulnerable areas are also economics where factories and infrastructure, corporations are in these areas. and that's part of what drives people to be there. so there's also and industrial and economic aspect to this. in part of the challenge about helping or not helping is an ethical question, as well as a legal question. so i would like each of you to just address that briefly if you could. >> here's how i would frame it. i've been into me places where i call them the proverbial one company down. but it's in the flood zone. and the workforce lives in housing, low to moderate income, is what is affordable there in the flood zones. when the flood comes in and wipes everything out, there's no tax base, there's no workforce and the company closes. then local officials go what happened? this is what i'm talking the resiliency. i think again we've got to put this in terms of dollars. and what those impacts are. i look at resiliency this would. and i think part of what yo