These are not the recommendations we will make to the school board. These are three options to start a dialogue at the public meetings.

It's really about efficiency. We needed to close one school.

The Elk Mound School District will not reflect the state trend.

It's so commonplace. Every company with huge data processing needs is going to look at this.

While formidable, Isabel will fall generally within the range of catastrophic risk that insurers anticipated and built into insurance premiums for homeowners and businesses along the East Coast. I would not expect the storm by itself to have a significant effect on insurance rates.

We can price for the probability of certain events. But we can't price for what amounts to political risk.