They did anticipate breaching of the levees, that the pumps wouldn't work, ... couldn't get the federal assistance they needed. They knew they were living on a time bomb.

If we weren't prepared, and we didn't do our part, no amount of work by FEMA could overcome the lack of preparation.

Organizational improvisation ... Research on jazz musicians shows that people don't just pull stuff out of the air when they're improvising. These are people with an extremely wide knowledge of musical genres. They have always practiced and practiced and practiced. Similarly, improvising involves a deep understanding of the resources you have at hand in your community.

Strengthening Chubb's electronic capabilities is a top priority. The introduction of electronic signatures is the direct result of feedback from our agents, brokers and customers. We've delivered on our promise and remain committed to building further enhancements that will streamline the business process.

We need a panel of qualified experts that is knowledgeable and objective and has all the investigative and subpoena powers necessary,

To wait for someone else, or to expect someone else to make my life richer, or fuller, or more satisfying, puts me in a constant state of suspension.