Offer us an ultimatum instead of ordering something done against our will and ability. The hands that are reaching out for some policy changes in preference to some financial help from the state or federal governments, are being ignored. Something must be done and done right. How the government and elected leaders are reacting towards the Biggert-Waters Flood Insurance Act, is ridiculous and down right obnoxious. The purpose of a law was once made to protect the majority of the population, not to destroy it. Today the trend has been reversed and new laws are driving the average American into bankruptcy or complete oblivion.