I have not spewed any hatred towards anyone...I have not said that I hate anyone in particlar or that anyone deserves to have their house burned down...My original point....and I STILL stick to it is that if you build in any disaster prone area that YOU hold some responsibility for any damage done to that home...the rest of you have taken my statement personally and blown it far beyond what I have said...but yes, I am a bit depressed that my company gave away a million $'s....its bound to decrease my Xmas bonus....