literally hitting people where they live, so, you know, it's striking how few people are prepared. and you talked about preparedness for this. so how should individuals, you know, as well as parents, homeowners, people like this, how should they be preparing and maybe changing the way they live or where they live to prepare for what's happening? >> well, historically, sadly, we haven't always been great dealing even with the disasters that we had in the past. so we tend to think, you know, something that is high impact, but low frequency won't happen to me, and it's, you know, i'll just take the risk. that is getting increasingly risky, because the risks are rising. so i think everyone needs to take into account what's happening and think about what that means for our policies and how we vote in elections, but also what we do in our own neighborhood and even in our own household. and that often also means --