Thank you, Dave, for talking about fuel reduction! That’s so critical and so overlooked. A good example of fire management is how aboringinal Australians manage the Northern Territory. And yes, it’s burn, baby, burn, but it is beneficial and effective.

Gigi, I hear you about Nationwide. They are like Shelter Insurance, they have a fire map, they can’t write policies outside of it and that’s that. You have to think of the insurance industry as Great Britain in 1919 when it was it was the height of the empire. Since then, a slow retreat from around the world (India, and other huge colonies) The insurance industry at the moment is retreating from the big states Florida/California. The little states are next, the intermountain West, and the Gulf Coast states. From there, who knows. If Colorado can get it’s house in orders with proscribed burns, effective remediation plans around structures and perhaps a full-time fire force working year round on fuels reduction and fire fighting then we can save the industry by creating a profitable place to write policies. If we insist they operate unprofitably they’ll leave, or go bust..