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Bureaucracy and you can't fall into the trap i think as a liberal saying, oh, the state in the abstract government has a role to play and not also be very clear-eyed about the failures of specific bureaucratic performance, right? >> i was going to come back to this idea you said risk pooling. >> right. >> i think that that's a really important question because we have to ask ourselves does a storm like katrina or sandy, does it hit the united states -- >> right. >> -- or does it hit new orleans or does it hit new york, does it hit a state or does it hit the united states? i think it hits the u...