there's also another question -- after katrina, there were very innovative insurance programs set up to quickly resolve insurance disputes between insurance companies and insureds who owned property, uautomobile. i suspect the state of texas will resolve insurance claims quickly without resorting to the courts and lawyers and litigation. we'll see. >> except, what, 80% of the people hit don't even have flood insurance. so they may not be ale to fible claims with insurance companies, however, many are trying to file with fema and in order to decide compensation, fema requires documentation for proof of loss in some cases, saying, "the proof of loss must be signed and sworn to by the insured with attached documentation to support the amount requested."