text:  And they came out with a report called the HILF Report for High Impact, Low Frequency, meaning black swan events, things that don't happen very often, but when they happen, they're really, really serious. And so then Congress had this act called the SHIELD Act that they were trying to get through and never really got out of committee. And the SHIELD Act says that, well, private industry is going to pony up the $2 billion to fix the grid.