^^^Back when I was running the captive malpractice risk retention group, we were domiciled in Hawaii. The Hawaii insurance code requires an annual meeting of the RRG Board to be held in Hawaii, so I went to Honolulu six years in a row. I was flabbergasted by the sheer number of homeless in Honolulu, and this is coming from Seattle, which has a pretty good homeless population. My Hawaii colleagues told me that most of them were from the Mainland and were drawn to Hawaii by the weather.