I believe when a major disaster strikes it is necessary for government to step in and help. I also believe that government should get out of the way as quick as they can and let free enterprise take over. The facts that Citizens is reducing their exposure and encouraging other insures to come into the market as well as reducing or retiring dtorm tax early isare good things. I am against waste fraud and abuse so travel to buy reinsurance is an area that needs to be closely looked at.For the most part it is all good news which should have a positive effect on real estate.