New legislative session started last Monday...it's usually low key, but the fires in LA got in the middle of it, resulting in some political showboating vs. governing; climate change is the real culprit, not a lack of water (which is disinformation); learnings from our CZU fire applied to the rest of the state, and the LA fires - clean up may involve toxic materials; Santa Cruz measures for future fires; defensible space plus fire resistant building materials; homeowner's insurance and insurance companies dropping people as soon as they can after a fire - which happened in Santa Cruz County, with no choice by California FARE, which is half the coverage at twice the price; insurers cannot write climate change into policies...how to protect customers when there's no way that rates won't go up; California's broken homeowner's insurance.