now a year later people still say they are struggling to get back to normal and they had not gotten the help they want. elizabeth macdonald joins us live in one of the hardest hit areas in new york city. you are a money person first, how much is the government spend on sandy recovery? liz: good to be with you, bill hemmer. $4 billion to date. this cost the u.s. economy $65 billion in economic losses, and also we are seeing essentially news coming out of washington, d.c., the costs are increasing for flood insurance, right? so we have people finding out that i am in a flood place. they did not know it before. not just in the coastal areas here and the northeast, but rivers and lakes across the country. those costs are going up. they may delay the flood insurance increases. what you are looking at is this