Some questions for consideration. Why might insurers need to limit the coverage for catastrophe? Do you think that catastrophe Government coverage is necessary? What can property casualty insurers do if reinsurance coverage is not available? If coverage isn't available to homeowners and business owners what options do they have to protect their investments in real property? Do you advocate insuring the gulf coast regions with property below sea level? What improvements could Houston make to protect Houston against future hurricane damages after the $$11$ Billion in losses from Hurricane Harvey? Which risk mitigation measures worked well to save lives? How can Louisiana be better prepared for Ida than they were for Katrina?