that's where redevelopment powers because pormentd.and say, okay, we're going to actually mix this stuff up in here and use the money in a way that's going to better the entire neighborhood rather than just replace the pipe with the same pipe. it was too small. the neighborhood is twice thesir streets or whatever it is. so having powers in place, having to thought about how to structure government after disaster is really important because it allows you to open up and receive theçó moneyñr more. it's a struggle to get the money down fast enough andçó that's really where insurance is so important. it's a way money can come into individuals and people can become em pawrdñr more Ñi -- empowered more quickly than waiting for their fee fema chec- >> most people many the city were underininsured for earthquakes. that's one of those educational focuses people could really do to informal people about what their -- intoxilyzer room people about what their insurance is going to do for them in the case of -- >> in a city of san francisco where so