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Come on everybody ... who we kidding? Who bears the cost of flood defense? National and Regional government (or their agencies)? Belt-tightening (and a host of other terms), all euphemisms used by the ruling elite to inflict massive cuts on ordinary folks, is the cause of little or no defensive measures being taken. Some ex-Bullingdon Club sh*t, now working in the City insurance sector, thought what a money-making wheeze it would be to fleece ordinary folks by jacking-up their premiums ("Do you live within 1 mile of a river?" - well that'll cost you 5 times last years premium!). Then, just imagine the scene in some exclusive gentleman's club in Mayfair ... the City shi*t, large Chivas Regal in hand, leans over to some toff in Government (also a Lloyds Name probably but is keeping it out of the Members Register) and floats the get rick quick scheme. You know I'm right.