[DreamsofPolycarp]

If you are so inclined, come on down, and offer homeowner policies here. I can pretty well guarantee that you will find willing customers. But you won't do it.

And THAT is where you are wrong. If insurors could simply sit down, do their analysis, and decide what rates they have to charge to make money, you would see tons of them in the market. The problem is, they can't charge that for the caps. Some state official has decided the populace has to be "protected" from the "greedy exploiters" and has set a cap.

I would have thought that on FREE REPUBLIC of all places, people would understand that government manipulation of prices ALWAYS ALWAYS ALWAYS ALWAYS leads to shortages. It is done in the name of protecting Bill and Suzy from the evil exploiters, but it always leads simply to shortages. You see it now in Florida in insurance, but there are myriad other examples. The really sad thing is that folks advocate as a solution MORE of what created the problem in the first place. It is like a person irritated that his foot hurts, so in revenge, he chops it off with a machete.

[Mr. Quarterpanel]

Either you are not paying attention, you do not understand the underlying issue, or you choose not to. You do not live here, you seem to think that the state somehow created this, and you think that doing nothing will somehow fix it.

I do not have all the answers. I never pretended to. But something, even the wrong thing, is preferable to what is now happening.

We are done here.