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Someone told me that a major insurance company has stopped issuing homeowners’ policies in Florida. I haven’t verified that, though I’d be surprised if it’s quite as black-and-white as that. I certainly would favor treating things like hurricanes the same way they do with earthquake insurance – the higher the risk, the higher the premiums, and much higher deductibles for anything earthquake related. Fire? Burglary? No problem – cover ‘em the same way as everybody else. But like Tolik, if someone chooses to live in a high earthquake or hurricane risk zone, let them carry the burden of the additional premium. That’s only fair. Ooops. Fair? That doesn’t have any relevance anymore….

"Ye hear of wars in far countries, and you say that there will soon be great wars in far countries, but ye know not the hearts of men in your own land."