re: L5 whiners need to stop

You need to stop. Wow, an executive with an insurance company. Are you sure you really want to admit that? The biggest decision you made was how much money you could steal from your beloved insured. The only risk you and your minions take is when your reward is greater. Regarding Opal, that was 21 years ago, and in the words of the National Hurricane Center, their predictive capabilities and accuracy are markedly improved over the last 15 years. Translated for your insurance scientific mind, Baton Rouge had a 0% chance of being a target this weekend, so your stance that because of hurricane predictive inaccuracies, waiting until the last minute to make a decision was BS.
Have a nice day and I hope your premiums get raised!