"Sometimes you're doing really well, then, after three or four years, everything inexplicably crashes like a house of cards and you have to rebuild it. It's not like you get to a point where you're all right for the rest of your life."

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Fraud is common when you give away billions. Fraud related to Hurricane Katrina spending is estimated to top $2 billion. In addition, debit cards provided to hurricane victims were used to pay for Caribbean vacations, NFL tickets, Dom Perignon champagne, 'Girls Gone Wild' videos, and at least one sex change operation.

— Mark Skousen