mr. hensarling, mr. neugebauer and others who have a different opinion to come and work this out and do what we could for our constituents. and so i'm very pleased that we had members on the opposite side of the aisle who encysted that their constituents deserve protection, that they deserve support. working with their leadership and mr. cantor, working with our leadership, with the democrats on this side of the aisle, we've come up with something that is extremely important and effective. now, i must say to both sides of the aisle, we have continuing work to do. this is not a permanent fix on this. what i discovered was, none of us know enough about fema. we have been crying for years about remapping. we don't really know how it works.

mr. hensarling saw differently. he does not support this bill and he said so. mr. neugebauer and mr. hensarling said they had come up with other ways to deal with it. i never saw any of that. nobody ever tried to relate to the fact that i was outreaching to try and get mr. hensarling, mr. neugebauer and others who have a different opinion to come and work this out and do what we could for our constituents. and so i'm very pleased that we had members on the opposite side of the aisle who encysted that their constituents deserve protection, that they deserve support. working with their leadership and mr. cantor, working with our leadership, with the democrats on this side of the aisle, we've come up with something that is extremely important and effective. now, i must say to both sides of the aisle, we have continuing work to do. this is not a permanent fix on this. what i discovered was, none of us know enough about fema. we have been crying for years about remapping. we don't really know how it works. we don't know the discretion that they have in making some of these decisions. we ha

mr. hensarling: mr. speaker, our nation is tragically going broke. our national debt, which is skyrocketed under this president, is clearly by any measure on a dangerous and unsustainable path, a path that if not unaltered will leave our children with less freedom, fewer opportunities and a lower standard of living. that is beyond unfair, that's immoral. one reason america is going broke is because of poorly designed and costly government-run insurance programs. the national flood insurance program is one such program. its chief administrator has already testified that, quote, the nfip was by statute and design not actuarial sound. in fact, the program charges only 70% of what its administrators believe they actually need. perhaps that's why the program is currently $24 billion in the red to taxpayers and has no way to ever repay them. the nfip is not financially sound because pretty much every policy holder receives taxpayer subsidies. some guess geth explicit subsidies because the law prohibits the program from charging a it will full and fair rate