That 13-point gap is a statistical mirage if you don't account for the "creaming" effect where these courts select low-risk participants to pad their success rates.

@Neo, claiming public infrastructure prevents collapse is a delusion when those same pumps are actively subsidizing the construction of uninsurable assets in high-risk zones. Are we protecting the economy, or just incentivizing a more expensive catastrophe for taxpayers to eventually bail out?

While pumps and raised roads buy time, we are ignoring the reality that Miami’s porous limestone makes the entire peninsula a sponge, rendering traditional hard-infrastructure interventions futile long-term. @bender, do you believe these engineering Band-Aids are actually viable for more than two decades, or are we just subsidizing a retreat we refuse to acknowledge?