mr. kelley actually address a point that mr. birnbaum is making, which i think is a pretty interesting and good point, and that is that there is this impediment to private insurance offering flood coverage based on just the simple fact that they have to compete with the subs sdised rates of the nip. even if 2901 does move us in the right direction in these areas what do we fundamentally do -- what do we do about this fundamental problem? about the competition with subsidized rates? >> i think that's a challenge. and i think in terms of the, the future of nfip, at the neic we will be embarking this year, i know the reauthorization is coming up next year and it sounds like there's a lot of interest in talking about ways to modify that program. we've not had conversations at potential recommendations for changes to that program, but i'm -- it was just announced that i'm chair of the property and casualty neic committee and i can tell you this is on our agenda this year. we're going to look at this and putting together kind of our r

mr. kelley addressed the point mr. trina levin is making him that is the impediment to private insurance offering flood coverage based on just the simple fact that they have to compete with a subsidized rate of the nsi p., even if 29 no one does move us in the right direction, what do we fundamentally do about the fundamental problem? about the competition a subsidized rate. >> i think that is a challenge. in terms of the future, we will be embarking this year. i year. kind of the reauthorization is coming up next year and it sounds like there's a lot of interest in talking about ways we can modify the program. we've not had conversations that about potential recommendations for changes to the program, but it was just announced a venture of the property-casualty committee and i can tell you this is on our agenda for this year. we are looking at this and putting together a recommendations for ways that perhaps nfip can be modified. today i am here because i just want to the consumers have more option. i believe 29 no on

mr. kelley. one of the topics of discussion we had in this conversation writing this legislation dealt with surplus lines and their role in this. approximately how many surplus lines between on the top of your head flood insurance policies in florida have been accepted for the purposes of nfip mandatory purchase? >> you know i've got the florida data here somewhere. i've got a combined with six states actually. in 2014, $130.4 million of premium written in those six big states, florida, california, texas, new york. 32.9 million, 24%, covers residential property. and that category only about 29% represents primary coverage. the balance in excess coverage on a personal residents. so it's still a relatively small share of the overall surplus lines more to come less than 1% of the $40 billion market nationwide. >> mr. berenbaum, in your opinion how does this differ from homeowners insurance? both seem to be intended for the same thing but that's protecting alone in an event of a disaster. how d.c. th

mr. kelley, during the course of the discussion you indicated we got 1% of the policyholders that create 30% of the laws. mr. birnbaum has been talking about those guys come and how do you adequately rate those folks can help you fund them, how do not fund them? is just you and is through mitigation to take a 1% in which is about as much as you can't i guess. i question is, today we are talking about how we can shift what we have now to a more private market solution. do you believe if you take that one person out, the other 99% of the policies can actually relate be structured -- actuarially so that they can afford the coverage and take care of the 70% of the risks because i wish i could answer that question. i'm not the actuary in the river i think there's a large percentage of that you can. what percentage i can't quote you spent it would seem to me that would be a key point. if you've got 1% causing 30% of the problems, that's the group that's your headaches, where your risk is. if you take the other 70% of the risk and divide it among the 99% of the poicyholders it would appear to me

mr. kelley, is recognized for five minutes. >> thank you, mr. chairman, and thank you, mr. shear, but for being here. it's my understanding that during the interviews with their employees that they require that there general counsel be present during this. in your experience has that been the same working with other organizations or other agencies with these experiences come when these investigations are conducted? >> no. the idea of having to counsel present when we are interviewing district, non-management district employees, it's an experience we haven't had with other agencies. >> as a former prosecutor general and people lawyered up, so to speak, that was kind of when they didn't have any reason to it was a routine just talk to, general something behind that. it's so important when you have a sop to understand and sop. and putting on my military side of experience we have sops in every military, for every single thing we do. if you don't understand and use that sop it's not an sop because that stands for standard operating procedure. if you don't know and understand an

mr. kelley is recognized for five minutes. thank you, mr. chairman. thank you, mr. shear for being here. it is my understanding during any interviews with employees that they require the general counsel the president during this period in your experience had that been the same routine with other organizations or other agencies when these experiences -- when these investigations are dead? >> no. the idea of having district council president when we are interviewing nonmanagement district employees, it is an experience we haven't had with other agencies. >> is a former prosecutor, generally when people loitered up so to speak, when they didn't have any reason, when it was a routine talking to there is generally something behind not. -- that it is so important when you have an sop and the experience we have sop for a brief book than we do. if you don't understand and use that, it is really not an sop because that's an per standard operating procedure. if you don't know and understand and use that come it is just a bunch of guidelines you weren't using. in your experien

mr. trump considers megan kelley is very, very scary. >> you know, donald is a fragile soul. she might ask a mean question and who knows what could happen, i mean his hair can stand on up. >> abc haks action abc action news. >> bernie sanders' campaign says they're willing to go along with hillary clinton for another presidential debate. >> the campaign wants does not want any debates to be held on friday or saturday or holiday weekends. >>> our meteorologist shay is here with the weather >> as we head out the door this morning, you are likely to encounter some wet roads and if you are in our southern counties youwill see this rain that's filing across the state. watch out for flooding there and along the coastline keeping an eye out for some fog. i will have moreon that in just a moment. take a look at how overdone the future cast is. the models having adifficult time right predicting when we'll see the heaviest rain moving in across tampa bay and further to the north. what i can tell you is our southerncounties are going to see the most widespread rain. around noon today, w

mr. kelley, is recognized for five minutes. >> thank you, mr. chairman. thank you, madam administrator for being here and answering questions. i am encouraged by the fact that it seems like you want to working to fix all these things. under encouraged by that. that being said, i found in whatever walk of life them was and the mystery, whether district attorney and prosecute a murder case are whether the working at the craze which was a department store when i worked there, i've often found that priorities in a business plan or social import. regardless not just for the over all but for each individual. i've heard a lot today which event and i'm impressed with it. i'm also very impressed and thankful and grateful for your response to mississippi to the recent tornadoes were i lost several victims lives in the district and millions of dollars of property. i hope you'll keep checking on my folks and making sure that sba does all they can from the disaster relief in mississippi which has been declared a federal emergency. i guess my question is, how do you pr

people like kelley, mr. and mrs. go to the rallies want something better than the government schools are giving us. [ applause ] >> thank you, kevin. kelley, a brave thing you have fought through. >>> next, some heroes who fought communists. >> mr. gorbachev, tear down this wall. [ cheers ] >> mr. gorbachev, tear down this wall. john: many americans consider ronald reagan a hero of freedom -- [ applause ] . john: and this audience does? he confronted the tyranny of the soviet union. the wall did come down and the soviet empire crumbled soon after. reagan's actions played a part, but lots of people took big risks to fight communism. larry reed heads the foundation for economic education. and you went to a bunch of countries to spread subversive literature? >> that's true. back in the 80s before the fault of berlin wall and the evil empire as president reagan termed it, i visited a number of the countries and made contact with people who were active in the underground, anti-communist resistance elements in places like p

people like kelley, mr. and mrs. garcia, parents who go to the rallies want something better than the government schools are giving us. [ applause ] >> thank you, kevin. kelley, a brave thing you have fought through. >>> next, some heroes who fought communists. >> mr. gorbachev, tear down this wall. i'm billy, and i quit smoking with chantix. i decided to take chantix to shut everybody else up about me quitting smoking. i was going to give it a try, but i didn't think it was going to really happen. after one week of chantix, i knew i could quit. along with support, chantix (varenicline) is proven to help people quit smoking. chantix definitely helped reduce my urge to smoke. some people had changes in behavior, thinking or mood, hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. some had seizures while taking chantix. if you have any of these, stop chantix and call your doctor right away. tell your doctor about any history of mental health problems, which coul

mr. smith: thank you very much for your comments. i'd like to yield to mike kelley, the gentleman from pennsylvania. a very strong supporter of the right to life and outspoken. mr. kelly: i thank the gentleman. i too would like to add my thanks for the passion and the commitment you've made to the right to life movement. and the protection of the unborn. both you and with your wife, not just -- both you and your wife, not just here in the united states, but around the world. and i've seen that happen. we're here tonight. it's hard to stand in america's house and think that we have to debate an issue that is so basic to who we are, not as republicans or democrats, but as human beings. the district that i represent, the biggest county is erie county. in eire county there are 278,443 people. human beings. in 2014, abortions performed by planned parenthood ended the tential lives of 324,000 human beings. it is stunning that in america's house, and in the united states of america, what -- we recoil at any action around the world where there is loss of life, and specialy

mr. smith: thank you very much for your comments. i'd like to yield to mike kelley, the gentleman from pennsylvania. a very strong supporter of the right to life and outspoken. mr. kelly: i thank the gentleman. i too would like to add my thanks for the passion and the commitment you've made to the right to life movement. and the protection of the unborn. both you and with your wife, not just -- both you and your wife, not just here in the united states, but around the world. and i've seen that happen. we're here tonight. it's hard to stand in america's house and think that we have to debate an issue that is so basic to who we are, not as republicans or democrats, but as human beings. the district that i represent, the biggest county is erie county. in eire county there are 278,443 people. human beings. in 2014, abortions performed by planned parenthood ended the tential lives of 324,000 human beings. it is stunning that in america's house, and in the united states of america, what -- we recoil at any action around the world where there is loss of life, and specialy

mr. trump. a fox spokesperson said in a statement should be clear to the american public by now this is rooted in one thing, meghan kelley. after that announcement ted cruz challenged trouvrp a one cruz challenged trouvrp a one-on-one debate saying he and mano y mano if they can't agree on a moderator. we will hear more from trump later this morning. daniel miller, fox25 morning news. >>> happening today on the democrat side, senator bernie sanders will have his first expanded meeting with barack obama. the meet welcome inform wall no set -- the meeting will be informal with no set agenda. fox25's glare miller will be there covering every angel. you can watch his live reports starting sunday on the fox25 news at 10:00. >>> good morning, everyone, checking traffic and weather every ten minutes. i am just updating these maps for you. things are moving along fine on route 3 south of town route 3 south of town from 2 28 and past route 18 and weymouth and braintree. other major artery other major arteries. 24, 95 looking good. expressways starting to slow down a little bit right around exit 13, freeport street. quite a few br

mr. speaker, i've long followed his work in the newspaper, but had the chance to truly interact with john in 2013 when he spent several days with congressman mike kelley and myself here on capitol hill. i was glad to talk with him about representing pennsylvania's largest congressional district, about priorities and concerns across the district, often lead to policies discussed here on the house floor. i wish john the best of luck in retirement and congratulate him on a wonderful career. thank you, mr. speaker, i yield back the balance of my time. the speaker pro tempore: thank you. for what purpose does the gentleman from california seek recognition? without objection, the gentleman is recognized for one minute. >> thank you, mr. speaker. today i rise to call attention to the issue of gun violence that has seized our nation. a little over a month ago, my hometown of san bernardino fell victim to gun violence and was added to a list that no community wants to join. aurora, newtown, chattanooga, charleston, and the list goes on. and that's the problem. the list goes on. the only action congress has taken to address the epidemic of gun violence has been