For those of you that were at the RIFMA conference earlier this week, I dug up the FM Global white paper “Flirting with Natural Disasters” located here: http://www.fmglobal.com/assets/pdf/P10168.pdf. It summarizes why some people (businesses) prepare for risks and others do not. People have a short term regard for risk (amnesia) and think that if disaster happened once, it won’t likely happen again for awhile. Here’s my question for the group: How do you think the floods of 2010 changed the way homeowners and business owners perceive their risk? At the conference we heard that the Warwick Mall rebuilt with no regard to the flood risk.