The worst-case scenario is they decide not to invest in insurance and they have a terrible accident and become uninsurable for life.

We are all in this problem together. One way to think about it is: How much are you and I paying to cover the uninsured?

They're just the tip of the iceberg of what we're going to see as this market crumbles.

Some people are just now getting back to their homes and to the homes of their relatives. The bodies are still coming in.

We don't know if they are suicide or murder or accident. We may never know.

There just may be a lot of people who are still down in those deep waters, and some of the waters were 10, 12, 15 feet deep. My biggest fear is that we will find something down there that is way out of proportion. Hopefully, it doesn't happen, but we worry.