more from www.gop.gov/bill/112/1/hr1309 "Under both current law and this legislation, the NFIP may borrow an additional $3 billion from the Treasury." "CBO also estimates that the changes made by H.R. 1309 would increase net income to the NFIP by $4.2 billion over the 2012-2021 period." "H.R. 1309 would impose intergovernmental and private-sector MANDATES, as defined in the Unfunded Mandates Reform Act (UMRA), on public and private mortgage lenders." Why do I get the feeling that this Republican-controlled Congress will be adept at redistributing wealth from the bottom-up? Why wasn't this program ABOLISHED?