Reveals why Florida's insurance crisis stems from policy uncertainty, not hurricanes—explaining how political decisions drive capital away faster than any storm Translates complex economic principles through vivid metaphors (poker in the dark, ducks quacking in different languages) that make market dynamics understandable to all readers Provides actionable solutions based on global case studies and decades of legislative experience, showing exactly how to restore market stability *Demonstrates why predictable rules and pre-storm preparation beat post-storm politics, offering a clear path to sustainable, available insurance coverage