In Hour 2, Janet Ruiz from the Insurance Information Institute discusses the challenges of wildfire insurance in California, the role of the California FAIR Plan, and the complexities of insurance rates. She also highlights how flooding concerns extend beyond hurricane-prone areas and the growing availability of private flood insurance. Matt Pauly joins to talk about the University of Missouri Athletics' $15 million budget deficit, the rising costs of college sports, and the ongoing struggles of St. Louis sports teams, including SLU's loss to VCU, Mizzou's win over a top-five opponent, and the Blues' playoff push.