California Governor Jerry Brown declared a drought emergency for the state, saying it is facing “perhaps the worst drought that California has ever seen since the record began about 100 years ago. In his declaration he called for a voluntary 20% conservation to our water use. The point of this declaration is to wake all of Californians up to the serious situation that people should pause and reflect on how dependent we are on the rain, nature and one other. Since 2011 extremely dry conditions have parched the state and as of 2014 90% of California is currently in a severe drought, meaning this coming year could be a giant fire year. Under the proclamation, Brown directed officials to take "all necessary actions" to address the drought, including assisting farmers and communities with water shortages. He directed state agencies to use less water and hire more firefighters. How do you see the drought affecting the insurance industry?