joining me now from sacramento, california, is mike dayton. thanks so much for being with us this morning. >> hey, good morning, kiran. >> there's a -- >> thank you for having me on. >> oh, it's my pleasure. thanks for joining us this morning, getting up early for us. i want to ask you about this concern that california would likely be next. they talk about the three corners of the pacific plate and, of course, california hits -- it's the one that has not seen a major earthquake in this century. how concerned are you about the potential for a quake this magnitude to hit? >> well, we're always concerned. we're not unduly alarmed. we know california is an earthquake-prone state. that's why we take preparations so seriously in california. we put a lot of effort into catastrophic planning in the bay area and a lot of effort in southern california. >> the san andreas fault they say is due to rupture one day. obviously you don't get a ton of