ms. chapman-henderson?> senator nelson i thank first and foremost, as taxpayers, we all need to be concerned about the impacts of hurricanes because of the significant economic impact to all of us but on a more practical level and think you can go state-by-state and identify impacts that surprised some. one in particular that springs to mind is from hurricane ike and the flooding that occurred in ohio. more than $1 billion in insurance losses happened in ohio because of floods. similarly in pennsylvania after hurricane ike and west virginia after different storms, the hurricanes did not come to the coast and as you know stop. they move through and they cause damage throughout the united states and they think it is again one of those things were sometimes looking back at that instead of thinking forward, but i believe we can provide a very detailed analysis in case of an economic and societal disruptions that follows hurricanes well inland to places that are not traditionally thought of, ohio's brings to min

ms. chapman-henderson, do you want to answer that? >> i do.familiar with the building code to the legislation. i can hardly endorse those aspects. and our partnership is evenly divided on other insurance issues as well. with respect to the evacuation, it seems we like it look at it in aideal sense between those that reside in a flood zone or not as step one. and throughout i think it's uniform that if you live in a flood zone you have to leave. because there are too many variables of life safety being a challenge there. but beyond that the home owner on the business owner or anyone seeking to take shelter, they have knowledge of what their house can do. a performance forecast, for example, and they can confidently make decisions about evacuation and take themselves out of the overevacuation problems. i think you're talking about for florida where the east coast of florida ended up heading west and spending all types of problems. people spent the night in parking lots and were more vulnerable because we didn't know where the storm would land. w