I had been asked several times before but just never really gave it serious thought.

I thought I'd give it a try.

I thought all of our policies are the same.

Terrified, terrified. Just never thought the flood would get our building.

I'm elated, just elated. I thought there would be one bill or another but not both.

It was basically just friends asking me to come out and try it and I thought 'why not?' ... And now, this is like a family to me.