I appreciate your response a lot FireITGuy. If it’s not too much trouble, would you be able to tell me how much would be a reasonable figure to spend on future fire defense as a separate item out of all the costs that might be covered? I know it costs about half to build new construction with fire sprinklers versus adding them later which indicates adding in such fire defense to rebuilding the community would probably also be cheaper and more effective. It also doesn’t cost that much to add a 10k gallon water tank and exterior fire sprinkler system and mesh walls per home. Far less than adding a pool. The value of Altadena land as insurable vs uninsurable probably exceed the cost of such a community response wouldn’t it? If insurance could negotiate with SCE to focus on prevention of future fire problems for our area with credit towards liability payments paid more rapidly as good faith instead of the hostile lawyers will feast scenario, might we not come out better?