i agree many americans caused this by buying what they cant afford. they are very high on the list. but what about a guy I worked with at my last job. early fifties married both with jobs, 401k, didnt have cable(saw it as a waist of money). 4 years ago hurricanes start passing thru our state. same house, same insurance for 20 years. that year and the three after they doubled his rates each year till he had to get from someone else at a high price. never made a claim for anything in 24 years. now hes in trouble of losing just like the others when hes done nothing wrong. lest hes expected to have a 30 year crystal ball.

db:smokin: