group, is trying to remove that risk off the back of the taxpayer and putting it back on to the rateholders, or the policyholders, where it logically belongs. and so, i think that, you know, we created this program in 1968, and we're stuck with it, and it isn't a private market, a large private market, anyway, in flood insurance, and so, we're going to have to deal with this program and try to move it towards a more actuarily sound basis and also try to use it as a tool to help people out. not just help them out in buying flood insurance, but to help them out of harm's way, to give them information and reduce their risk and reduce the impact on the american taxpayer. >> congressman, i agree with the actuarial sound concept. i won't go into that further. but as someone who sells the policy to the consumer on a daily basis, i think we have to make the program more attractive, because the more people we get to buy the product, the larger the number is and the bigger the risk pool. and so, one of the components of the draft legislation that i feel, somebody who sells to the consumer every day,