by the way.....I live in the Southern United States where the disasters can be frequent and varied. In my lifetime I have seen an entire neigbhorhood destroyed by a tornado, an ice storm that left people stranded at home for days, floods that destroyed an entire town (twice), temperatures so high that those without air conditioning (and knowledge) died of heat stroke and although nothing like in California, we've had the occasional earthquake. When I was a senior in high school, the police knocked on doors in our neighborhood in the middle of the night and told us we needed to leave immediately because of a gas main break. We left with our dog and the clothes on our backs. Everything turned out fine, but that situation gives me a personal point of reference from which to begin.