Mr. Durbin: Raj Pandit.

Mr. Pandit: Good morning, my name is Raj Pandit. I am an attorney that is representing Hundred Gate Flood Insurance homeowners. My question is exclusively related to the duplication of benefits calculation. On specifically, let me be clear, I fully agree that anybody who has flood insurance proceeds, those proceeds should be a part of their DOB calculation. However, if someone has to get expert help, to get an additional payment, to me the calculation should only be based upon the money that they actually receive and this has been in other states who've had natural disasters. New York after Sandy, South Caroline after Matthew, and this is how the SBA calculates this as well. All DOB calculations are always after deduction of an attorney's fee or some other type of fee, so I just want to make a public comment that this process here should also follow the law, setting precedent, that's been established in other disasters.

Mr. Durbin: Appreciate it. Thank you for the comment.