> If I took your attitude where should people live: not in California where earthquakes are more likely than the average, nor the Midwest where tornadoes are, n

> If I took your attitude where should people live: not in California where earthquakes are more likely than the average, nor the Midwest where tornadoes are, nor near an ocean where storms could happen, nor mountains where landslides can happen. There are actuarial models that deal with these types of risks. The bigger risk for a bank is if your business model isn't sound.