In the event of castatrophe it will probably look like this at the office:
http://www.youtube.com/watch?v=KUoAC5msF-U&feature=plcp
A customer's perception of how much CPA reduces their risk will be what drives the number of customers you receive and the premiums you can charge them.
Exactly, and we've not seen where giving money to CPA is any safer than giving money to Pirate or any other random bitcoiner.