Guest @12:56 AM; I don't know if what you say is true or not but remember one thing - as far back as I can remember, the winner gets the largest trophy. (and don't go to election crap) And Sigurd, your first paragraph is pretty much on - they arrange for replacements, grants or low interest loans for repair. Been on both sides of FEMA - was a volunteer info gatherer for a second situation. Received a low interest loan for the first. (flood)
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