Andrew Gray's scourge in life wasn't brownies, but milk-saturated soggy cereal.

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"Since banks were able to raise capital there's not the same urgency in having the program out there, " says Andrew Gray, a spokesman for the FDIC.

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Dr. Bill Gray, a meteorologist from Colorado State University, said that many more hurricanes, like Andrew, would hit the U.S. mainland in the future.

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