i understand on commercial buildings we have umb restrictions. otherwise the city will come in. >> if someone fails to upgrade, we with would make them do it. >> what about residential? if you have a monster next to you? >> there are no retroactive requirements. i think i might take issue with a next door neighbor. >> my client should hire someone. but you have a monster on full bricks. >> you can, if you have a risk, next to a very tall building, that building can give you hazards. you can also be on the other extreme. i would tell you to leave the brick building in place. the performance of your building will be way on down the food chain. i would also say that just because your building survived a 1906 earthquake, >> it wasn't a big earthquake. the building was built in 1989. there are a lot of large buildings that did and there are a lot of didn't. >> i can talk to our insurance agent and says this is a serious one that comes up. we would not have enough to pay with everybody in the area. >> that has to do with cea. the amount of money they h

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