That's not a very intelligent statement for a "Dr." to make. So with that mentality, we shouldn't insure homes in the midwest because of floods and tornadoes or homes in Colorado becaise of blizzards or homes in California because of fires, wind, ladslides and earthquakes or homes in Wyoming because of dust storms and cowpies or homes in Idaho because of militia men or homes in West Virginia because of ice storms or homes in Alaska because it freezes there? You must be one of those "Honorary Doctors" like Jesse Jackson...