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The Texas way: why the most disaster-prone US state is so allergic to preparing for disasters
(www.theguardian.com)
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Not stupid, just the people who make the rules are not affected by the disasters or they can afford to buy their way to a place that's not affected when there's something going on. They don't give a flying fuck about the average person. With that in mind they just simply don't want to spend the money.