In the aftermath of the devastating 2013 Calgary flood, there was a wonderful article by a U of C professor published in the Calgary Herald that was titled "A Flood Plain is a Plain That Floods". I personally know a number of people who experienced extreme flood damage during that disaster and other floods during this century and they all had one thing in common; they lived on the flood plain. Flood plains are wonderful places to live and recreate when the river is not flooding. Cities, municipalities, provinces and home owners continue to invest large sums of money along rivers and lakes in almost total disregard of the fact that flooding will occur at some point in the future. When the flooding does occur, many "experts" blame climate change, and the victims expect the government to bail them out. These bail outs are subsidies whereby the majority of society that does not build on flood plains bails out the minority that does. Remember, a flood plain is a plain that floods.