Most people do not buy flood insurance.

We have done everything we can possibly do to preserve a fair election in accordance to the laws governing homeowners' associations and to protect the privacy of the members of the association.

They were quoting the state election laws, but we're not subject to the state election laws.

The board had been considering changes in the voting procedures and after the meeting in October, they've decided to make changes.

We offered Charles the Cherry Brandy but he said he'd better not have that and tried the Apricot Brandy instead.

Without him, I don't know what we'd do.