LIVING,EARTHQUAKES,THE PACIFIC NORTHWEST,ROBERT,YEATS,HOME PAGE,TABLE,INFORMATION,BOOK FORMATS,PREVENTION,COUNTERMEASURES,THING,THREAT,FACE,DANGERS,GROUND,SHAKING,LANDSLIDES,LIQUEFACTION,TSUNAMIS,SURFACE,RUPTURE,CAN WE,THE CHAPTERS,FOLLOW,DESCRIBE,HUMAN,RESPONSE,AT ALL,SCALES,THE FEDERAL,GOVERNMENT,SHOULD,PURCHASE,EARTHQUAKE INSURANCE,MIGHT BE,USEFUL,LEARN,PROBLEM,INSURANCE,COMPANYS,POINT OF VIEW,MEANS,NEED TO,RISK,THE COST,YOUR,HOMEOWNER,RENTER,SAVE,YOUR LIFE,PREVENT,INJURY,EARTHQUAKE,SAFETY,BUILDING,WORK,THE BRIDGE,MUST,CROSS,THE WAY,THE DAM,UPSTREAM,YOUR HOME,THE GOVERNMENT,INVOLVED,FEDERAL STATE,LOCAL,THE RESEARCH,EARTHQUAKE ENGINEERING,THE UNITED STATES,TURN TO,HELP,DISASTER,STATE,PROVINCIAL,GOVERNMENTS,IN A MAJOR WAY,HAZARD REDUCTION,HAVOC,RAISED,THE PAST,OREGON,WASHINGTON,FINANCIAL,TOWARD,HAZARD,MITIGATION,MAJOR,CITIES,SEATTLE,BELLEVUE,DONE,BUILDING CODES,GRADING,GIVE,SECURITY,THE STRUCTURE,WE LIVE,WORK IN,COLLAPSE,THE GROUND,WHICH THAT,STRUCTURE,STABLE,BUILDERS,CHIEF EXECUTIVE OFFICERS,SOMETIMES,RESIST,LAWS,INCREASE,COST,BUSINESS,FINALLY,PLAN,CHAPTER,BETTING,WHAT WOULD HAPPEN,SOMEONE,DISCOVERED,HOW TO,PREDICT,NO MORE,RICHARD J,ROTH,CALIFORNIA DEPARTMENT OF,PHILOSOPHICAL ISSUES,BUY,YOUR BUSINESS,ADDRESSING,QUESTIONS,LETS,LOOK,GENERAL,PARTICULAR,PROBLEMS,INSURING,DONT,WANT TO,LOSE IT,FIRE,FLOOD,MIGHT,CHANCES,THE LITTLE THINGS,THERES,TOO MUCH,STAKE,YOU ARE,COMPANY,OFFERS,FOR YOU,PRICE,GAMBLING,THE LOSS,HOUSES,OTHER PEOPLE,THE PRICE,GETS,MONEY,OFFERING,CHARITY,BUSINESS DEAL,PROFIT,BOTHER,FIGURE,PAID,WORTH,WORRY,TAKES,INSURANCE COMPANY,PREMIUM,DANGER,HURRICANE,PERIL,CONTEXTS,INSURANCE INDUSTRY,DEFINES,SOMETHING,REINFORCE,DENSE,BRUSH,GROW,SUMMER,WILDFIRES,YOU CAN,DO SOMETHING,CANT,FIRE INSURANCE,AUTOMOBILE INSURANCE,WONT,BURN,DOWN,CAR,KEEP,READ,HOUSE FIRES,ALMOST EVERY,THE NEWSPAPER,THOUSANDS,PEOPLE,DIE IN,TRAFFIC ACCIDENTS,ENOUGH,AUTO INSURANCE,COVER,CHARGE,HIGH ENOUGH,PAYING OFF,CLAIMS,CALCULATES,HOW MANY,AUTO ACCIDENTS,HAVE TO,PERIOD,NUMBER,CONTRACTS,THE MORE,THE ACTUAL,RESULTS,PREDICTED,AN INFINITE NUMBER,STATISTICAL,RELATIONSHIP,THE LAW OF LARGE NUMBERS,SUPPOSE,EVIL,SPIRIT,SPELL,AUTOMOBILE,HUNDREDS,TIMES,ARMY,ARSONISTS,GOES,SETTING,ON FIRE,FIGURED,CALCULATED,BROKE,IN A WAY,FACES,URBAN,INDEED,NATURAL,CATASTROPHE,HURRICANE ANDREW,FLORIDA,THE DIFFERENCE,DEALING,LARGE NUMBER,AUTOMOBILE ACCIDENTS,GIGANTIC,ACCIDENT,1994 NORTHRIDGE EARTHQUAKE,BILLION,CAUSED,KOBE EARTHQUAKE,HIGH,RARE EVENT,MOST OF THE TIME,COLLECTS,BIG CITY,BANKRUPT,SCIENTISTS,RIGHT,ACCURATE,FORECASTS,KEEP IT,BANKRUPTCY,RARE,CATASTROPHIC EVENT,THE SITUATION,LACKS,EVENTS,ESTIMATE,ITS POSSIBLE,THEREFORE,REALISTIC,SO HIGH,NECESSARY,IN BUSINESS,HOMEOWNERS,BUYING,CONSIDER,THE EARTHQUAKE,THE GREAT,SAN FRANCISCO EARTHQUAKE OF,THE DOLLAR,SIZE,THAT TIME,FIREMANS FUND INSURANCE,MEET,LOSS,LIABILITIES,CLOSED,REFORMED,NEW COMPANY,PERCENT,CASH,STOCK,AMERICAN,BRITISH,COMPANIES,LLOYDS OF LONDON,FULL,FORTY THREE,SIXTEEN,FOREIGN,SPENDING,MONTHS,LEGAL BATTLES,GERMAN,IMMEDIATELY,NORTH AMERICA,ANYTHING,FRACTION,UNDERESTIMATED,POTENTIAL,THE DEBATE,WHETHER,THE NEXT,CASCADIA SUBDUCTION ZONE,MAGNITUDE,OR 9,NERVOUS,FASCINATION,NO PROBLEM,NISQUALLY EARTHQUAKE,NISQUALLY,HANDLE,THE CENTRAL,SAN ANDREAS FAULT,POPULATED,CALIFORNIA COAST RANGES,SUBDUCTION ZONE,SEATTLE FAULT,UNDERWRITERS,FITS,SURVIVE,PORTLAND,BRIEF,PRIMER,SOCIAL AND ECONOMIC,GREATER,POPULATION,WE ARE,PRETTY,SURE,OUR HOUSE,THE PEACE,MIND,COMES,CHANCE,INVESTMENT,PROTECTED,CONTRIBUTION,THINGS,WHOSE,THE HOUSE,BURNS,PRODUCT,CONSUMERS,MARKET,VALUE,THE PRODUCT,DETERMINED,SOLD,REASON,HARD,ADVANCE,IT MUST BE,ABLE,COLLECT,INSURANCE CONTRACT,EXECUTIVE DEPARTMENT,DETERMINES,OVERALL,CORPORATE,DIRECTION,DECISION,BE IN,DEPARTMENT,STATEMENT,CLAIM,WORRIES,EXPOSURE,LAST,PROCESS,RATING,ACTUARY,DETERMINE,ACCOUNT,QUALITY,CONSTRUCTION,ACTIVE FAULTS,CONDITIONS,UNDERWRITING,INSURE,USES,RATES,EXAMPLE,IF YOU,ALCOHOLIC,MOVING,VIOLATIONS,ACCIDENTS,YOUR FAULT,DEDUCTIBLE,PAYMENT,ALREADY,PRESENTED,SETTLED,PROBABLY,REPAIR,THE CLAIM,LITIGATION,AVAILABLE,FUTURE,SHOW,LIABILITY,BOOKS,SURPLUS,NET WORTH,CAPITAL,RETAINED EARNINGS,FUNDS,AFTER ALL,THE MONEY,HEDGE,BETS,THE FUTURE,ELSE,NEED,REINSURANCE,THE ORIGINAL,INSURES,MULTIMILLION,DOLLAR,SPREAD,FINDS,SHARE,INDUSTRY,ENGINEERS,PROBABILITY,FORECASTING,SOME SAY,CASH RESERVES,SERVE,LAST RESORT,RETURN,QUESTION,START,THAT WHICH,FIRES,DEATH,RISKS,ACCIDENTAL,CALCULABLE,POLICIES,WRITTEN,KICKS,THE PRINCIPLE,INDEMNITY,OF COURSE,PERSON,THE CONDITION,EXISTED,PRIOR,REPAIRING,THE PROPERTY,THE CONTRACT,DIRECT,COVERAGE,DAMAGED,TAKING,CARE,INCOME,LOSS OF USE,PROTECTION,CLAUSE,AMOUNT,THE HIGHER,SMALL CLAIMS,SUBMITTED,HISTORICAL,AUTO,CONFIDENCE,LOOKS,FACTORS,REDUCE,METAL ROOF,VINYL SIDING,PRESENT,LESS,SHAKE ROOF,WOOD SIDING,DISCOUNTS,DRINKERS,STUDENTS,GRADE POINT AVERAGE,TRENDS,THE EFFECT,HIGHER,SPEED LIMIT,INCREASING,SEAT BELTS,CHILD,RESTRAINTS,AUTOMOBILES,CATASTROPHES,MUCH MORE,COMPLEX,UNDERSTOOD,GEOLOGISTS,SEISMOLOGISTS,ODDS,IN CALIFORNIA,CHANGED,1989 LOMA PRIETA EARTHQUAKE,DEVASTATION,GEOGRAPHIC AREA,TOWNS,CUSTO