We certainly make our customers aware of flood insurance, but so many turn it down.

We've been looking at the numbers and wondering just how long we can sustain the kind of insured damages we've been getting. If insurance is not affordable, it's really not available.

It's not a beard, it's an animal I've trained to sit very still.

Do not crush the flowers of wisdom with the hobnail boots of cynicism.

Two solipsists walk into a bar, and one says to the other...

There's a wonderful sadness and poignancy about those Finnish films. They have people adrift at the mercy of fate. They're heartwarming. I also find them funny. I suppose that makes me an optimist.