You're right Bert, they are tough. I am involved with the post hurricane operations every year and it just breaks my heart to see the devastation caused. Losing everything you own to a wind or a flood is just unthinkable but it happens and they recover eventually. Katrina, however, looks like a whole new dimension to me. A cat 5 hurricane bearing down on New Orleans which is below sea level....I think we are in for some terrible news from that area.