ms. mcconkey, you're a midwesterner and grew up in the shadows of missouri. we've had unusual snowfall this winter which means that very shortly, a mixture of the me melting snow and 9 normal spring rains can and does often create flooding along illinois and missouri. we are also still in the throes of a recession. a large number of unemployed folk are living in areas that are susceptible to flooding. do you agree that it would be difficult for many of the people just struggling to exist, who did not purchase flood insurance to have to go to a private insurer at a time like this. i mean there's a great deal of talking about the privatization. i mean, what does privatization do to people who are vulnerable like those -- you probably know some of them. is it unfair for us to think in terms of privatization as a way for them to protect their homes and property? >> actually, what we believe is that to deal with people the affordability issue should be manage a program, a program like hud that has experi .. could -- actually i can talk pretty loud. we really think

ms. mcconkey, you're a midwesterner and grew up in the shadows of missouri. we've had unusual snowfall this winter which means that very shortly, a mixture of the me melting snow and 9 normal spring rains can and does often create flooding along illinois and missouri. we are also still in the throes of a recession. a large number of unemployed folk are living in areas that are susceptible to flooding. do you agree that it would be difficult for many of the people just struggling to exist, who did not purchase flood insurance to have to go to a private insurer at a time like this. i mean there's a great deal of talking about the privatization. i mean, what does privatization do to people who are vulnerable like those -- you probably know some of them. is it unfair for us to think in terms of privatization as a way for them to protect their homes and property? >> actually, what we believe is that to deal with people the affordability issue should be manage a program, a program like hud that has experience with means-tested systems so that you could -- actually

ms. mcconkey, you're a midwesterner and grew up in the shadows of missouri. we've had unusual snowfall this winter which means that very shortly, a mixture of the me melting snow and 9 normal spring rains can and does often create flooding along illinois and missouri. we are also still in the throes of a recession. a large number of unemployed folk are living in areas that are susceptible to flooding. do you agree that it would be difficult for many of the people just struggling to exist, who did not purchase flood insurance to have to go to a private insurer at a time like this. i mean there's a great deal of talking about the privatization. i mean, what does privatization do to people who are vulnerable like those -- you probably know some of them. is it unfair for us to think in terms of privatization as a way for them to protect their homes and property? >> actually, what we believe is that to deal with people the affordability issue should be manage a program, a program like hud that has experience with means-tested systems so that you could -- actually