mr. overton and mr. brennan in their testimony placed a great deal of emphasis on damages caused by perception as opposed to damages caed by actual damage and i've heard many people also blame the media for assisting in this misperception of the american public. and i don't think that any of us were surprid by that because the media is focused on being sensational and obtaining more viewers and more readers and frequently without any regard to the real impact it has on people. but my question to you would be since you're going to be up and running within a month hopefully, when you start processing claims from your perspecti perspective, it won't make any difference if the damage is caused by perception or by actual damage, is that correct? >> that is correct. under the law of the federal pollution control act, which is a very important aspect of this whole process, actual physical damage to property is not required. so the issue for me, you're absolutely right on, congressman. the issue for me is not wh