it is huge what they are able to doç on a daily basis with a sml emergency.ççwho is thereç during the dr for that family? it is the city. it is the red cross. the salvation army, the local church, synagogue,ç mosqueç, whatever. the faith based community is there to help the mountçç -- o help them out. when things are little bigger, who else is there? neighbors helping neighbors. ças it gets a little bigger, or even if it is a small house fire, in the neighborhoods of this city and neighborhoods across the country, if something çhappens, there is usually a local business that knows the family and been dealing with for a while and says that will help them out in some way or another. i remember last year i was traveling in the floods of north dakota. there was a family i was talking to at one of the shelters who lost their home. he said the one good thing was he did not lose his car. he had sent it to the shop the day before. the shop where it was getting fixed was not affected by the floods. then he said he went back yesterday to pick up my car. as he