Tim Holden

I can't think of another enterprise other than being a homeowner that can't have its debt restructured in bankruptcy. Corporations can but a homeowner can't? Now with securitization the homeowner can't go to the owner of the loan and work things out.

The leg system of the beach animals works because of a combination of certain lengths of tubes. Because of the proportion of lengths, the animals walk smoothly. You could say that this range of numbers is their genetic code.

The best way to get a sense of what kinds of emergencies might present themselves in your community is by contacting local chapters of the American Red Cross or offices of emergency management in the region or state. Most large cities will have their own offices of emergency management.