Thanks for the clarification, 3w. Not sure why it didn't occur to me that you, if anyone, would know the ins and outs. The good news (according to NPR report on ... Wednesday?) is that FEMA has already disbursed millions of dollars in aid -- mostly in temporary housing assistance. I know that FEMA may seem to be moving at a glacial pace, to folks affected by Sandy, but, to get the federal government to part with that much cash that quickly is no small feat, IMHO.