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Policy and even with the flood insurance program, one of the things is that the only team you have a mandatory purchase requirement is if you're in the 100-year flood plain. >> explain that steps. >> exactly. it doesn't mean it floods once every 100 years. i had means there's a 1% chance every year that you will flood. that means in a 30-year mortgage you'll flood at least once. so what we found is that that is dumbed-down our nation's flood control policy because in a lot of places in the country and i'm not necessarily saying in your town but in a lot of places in the country it's get 100-ye...

That mandate does go, what else could go with it? >> for certain, we know from the argument that two things will go with it, the things most closely related to the individual insurance purchase requirement. that is the ban on insurance companies denying coverage to people with pre-existing conditions and then a second set of rules that limited when insurance companies could change is there rates based only on geographic area, whether someone smoked and age. other than that, the insurance companies would be very limited in how they adjust their rates for people with similar conditions. the furt...