I Never Thought it Would Happen to Me...

"Tornadoes Rip Through the Midwest," "West Nile Races Across the U.S.," "Ice Storm Paralyzes Central Kentucky," "Drought, Wildfires Scorch Western States," "Chemical Spill Forces Evacuation."

News headlines trumpeting natural and man-made disasters have filled the front pages of newspapers at an exceptional rate in 2003, and disaster planning has become this decade's Y2K phrase.

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