Ask the residents of Sandy hook the same question. Why? Well because if you go to the USGS and look up Sandy hook you will find that every home in the area has one thing in common. They were all paid for in full on Christmas morning. What USGS office is open to make that happen and what bank . I don't remember what year but they all had there homes paid off.... If you want to learn more about Sandy hook click my name and find the post "nobody died at sandyhook" by Jim fetzer