We had not even rescued all of the Katrina survivors or collected the last of the bodies floating in the churning sea, as the politicians, advocates and pundits rushed to blame someone. Blame Bush. Blame the Mayor. Someone must take responsibility.

Well let me say, it's more complicated than that.

Let me make two points:

1. As citizens of a democratic nation, we are very reluctant to prepare for the improbable.
2. We don't expect the tragedy to strike us anyway. Maybe somebody else, but not…

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