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                    <hi rend="bold">Oral History Interview with Steve Holland, December 16, 1999.
                        Interview K-0510. Southern Oral History Program Collection (#4007):</hi>
                    Electronic Edition. </title>
                <title type="descriptive">A Businessman's Perspective on Hurricane Floyd</title>
                <author>
                    <name id="hs" reg="Holland, Steve" type="interviewee">Holland, Steve</name>,
                    interviewee </author>
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                    <resp>Interview conducted by </resp>
                    <name id="tc" reg="Thompson, Charles" type="interviewer">Charles Thompson</name>
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                <funder>Funding from the University of North Carolina Library supported the
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                <pubPlace>Chapel Hill, North Carolina</pubPlace>
                <date>2005.</date>
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                    <p>© This work is the property of the University of North Carolina at
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                        <title type="sound recording">Oral History Interview with Steve Holland,
                            December 16, 1999. Interview K-0510. Southern Oral History Program
                            Collection (#4007)</title>
                        <title type="series">Series K. Southern Communities. Southern Oral History
                            Program Collection (K-0510)</title>
                        <author>Charles Thompson</author>
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                        <publisher>Southern Historical Collection, University of North Carolina at
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                        <date>1999</date>
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                    <titleStmt>
                        <title type="transcript">Oral History Interview with Steve Holland, December
                            16, 1999. Interview K-0510. Southern Oral History Program Collection
                            (#4007)</title>
                        <title type="series">Series K. Southern Communities. Southern Oral History
                            Program Collection (K-0510)</title>
                        <author>Steve Holland</author>
                    </titleStmt>
                    <extent>61 p.</extent>
                    <publicationStmt>
                        <publisher>Southern Historical Collection, University of North Carolina at
                            Chapel Hill</publisher>
                        <pubPlace>Chapel Hill, North Carolina</pubPlace>
                        <date>1999</date>
                        <authority/>
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                        <note anchored="no">Interview conducted on December 16, 1999, by Charles
                            Thompson; recorded in Pender County, N. C.</note>
                        <note anchored="no"> Transcribed by Charles Thompson, 2000.</note>
                        <note anchored="no"> Forms part of: Southern Oral History Program Collection
                            (#4007): Series K. Southern Communities, Manuscripts Department,
                            University of North Carolina at Chapel Hill.</note>
                        <note anchored="no">Original transcript on deposit at the Southern
                            Historical Collection, The Wilson Library, University of North Carolina
                            at Chapel Hill.</note>
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        <front>
            <div1 type="about_interview">
                <head>Interview with Steve Holland, December 16, 1999. Interview K-0510.</head>
                <byline>Conducted by Charles Thompson</byline>
                <note type="deposit" anchored="no">
                    <p>Transcript on deposit at The Southern Historical Collection, The Louis Round
                        Wilson Library</p>
                </note>
                <note type="citation" anchored="no">
                    <p>Citation of this interview should be as follows: <lb/>“Interview
                        K-0510, in the Southern Oral History Program Collection #4007, <lb/>Southern
                        Historical Collection, The Wilson Library, <lb/>University of North Carolina
                        at Chapel Hill”</p>
                </note>
                <note type="copyright" anchored="no">Copyright © 2000 The University of
                    North Carolina</note>
            </div1>
            <div1 type="abstract">
                <head>Abstract</head>
                <p>In this interview, Steve Holland, Republican county commissioner and businessman
                    in Pender County, NC, describes the aftermath of Hurricane Floyd. His business,
                    a store and restaurant, was destroyed, and although the Federal Emergency
                    Management Agency (FEMA) denied his application for aid money, he is still
                    waiting for adequate compensation from the Small Business Administration (SBA).
                    Holland seems angry about the red tape he and other Pender County residents
                    encountered as they tried to piece their lives back together, and rampant fraud
                    supplemented his frustration. He speaks at great length in the interview about
                    his irritation with big government, property taxes, and freeloaders.</p>
            </div1>
            <div1 type="short_abstract">
                <head>Short Abstract</head>
                <p>Steve Holland, a Republican county commissioner and businessman in Pender County,
                    N.C., describes the personal and bureaucratic struggles he faced the aftermath
                    of Hurricane Floyd.</p>
            </div1>
        </front>
        <body>
            <div1 id="K-0510" type="sohp_interview">
                <head>Interview with Steve Holland, December 16, 1999. <lb/>Interview K-0510.
                    Southern Oral History Program Collection (#4007)</head>
                <list type="simple">
                    <head>Interview Participants</head>
                    <item>
                        <name id="spk1" key="db" reg="Holland, Steve" type="interviewee">STEVE
                            HOLLAND</name>, interviewee</item>
                    <item>
                        <name id="spk2" key="tc" reg="Thompson, Charles" type="interviewer">CHARLES
                            THOMPSON</name>, interviewer</item>
                    <item>
                        <name id="spk3" key="us" reg="Unidentified Speaker" type="unknown">UNIDENTIFIED SPEAKER</name>
                    </item>
                </list>
                <div2 id="tape1-a" n="1-A" type="tape_side">
                    <pb id="p3" n="3"/>
                    <head>[TAPE 1, SIDE A]</head>
                    <note anchored="yes">
                        <p>[START OF TAPE 1, SIDE A]</p>
                    </note>
                    <milestone n="1634" unit="empty" type="start" timestamp="00:00:00"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So we're here. This is Shelter Creek. What do you call it?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>This is Holland Shelter creek. The name of the creek is Holly Shelter
                            Creek.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Holly Shelter. Okay. [We are] here with Mr. Steve Holland who's a Pender
                            County commissioner and a small business owner. It's December 16th,
                            1999. I'm Charlie Thompson, and we are talking about the flood after
                            Hurricane Floyd—how it affected his business, how it affected
                            the river, this community, and hopefully we can talk some about the
                            county's perspective on it since Mr. Holland is a county commissioner.
                            You were starting to tell us that story about how when you were young
                            you used to come up here. You weren't born right here on the river, on
                            the creek.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I was born right outside of Burgaw. Which is—. I'm probably
                            nine miles from where I was born. Part of my live I was raised over near
                            the Morse Creek Battleground, which is over in the Currie area.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Currie of Pender County?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Um-hum.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>At thirteen years old I moved to Wilmington, or my parents did and I had
                            to go. At thirty-three I moved back to Pender County, which is where my
                            grandmother and all my aunts and uncles on my mother's side were
                        from.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Now, you didn't want to go?</p>
                    </sp>
                    <pb id="p4" n="4"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No, I never could get that mud out [from] between my toes when I got in
                            Pender County.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Because you liked the outdoors, you didn't want to move to town?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. My grandmother lived in Atkinson. I came up and spent a lot of with
                            her and my step-granddaddy, and [we] squirrel hunted. Then at
                            thirty-three years old I got a chance to buy a little fishing shop on
                            Holly Shelter Creek.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>What were you doing then, when you were thirty-three, up to that
                        point?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, I'd been a construction worker. I'd been a boat captain. I ran a
                            tractor-trailer. I had a shrubbery business. I'm a boiler maker, pipe
                            fitter, carpenter. My dad told me when I was real young, learn how to do
                            a lot of different things, that way you'll never be out of a job. I took
                            him for his word. I tried to learn as much as I could over the
                        years.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And you went to high school here in—.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I went to high school in Wilmington at New Hanover.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Did you go on to other school after that?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You just started all your mini-businesses?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yep. I started working when we lived in the country in tobacco and
                            blueberries, and stuff. Then we moved to Wilmington and I went and
                            worked for a contractor when I was thirteen years old. I worked after
                            school and summers, and played ball. Played a little football and
                            baseball. When I got out of school I went into service.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Was that the Vietnam era?</p>
                    </sp>
                    <pb id="p5" n="5"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Um-hum. When I came back I went back to work for the same man as I had
                            worked for when I was thirteen. I ended up building nine houses myself.
                            I got into the bulk-head business—piers and
                            stuff—for a few years there. Then, when I was about
                            thirty-three years old, I had been trying to figure out how to come back
                            to Pender County. I was up here on the creek and found a lot right
                            around the corner from this store here. I drove back up here. I didn't
                            know how to get to it by land, but I new how to get to it by water. The
                            guy who had this little fishing shop said, "Instead of a lot,
                            why don't you have a business?" Eighteen days later I leased it
                            for thirty years.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Did he give you the idea of what business, or did he just
                        say—?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, all he had here was—. He sold drinks and maps, and sold a
                            little bit of bait and tackle. So I added onto it. I put in a little
                            sporting goods department. After about a year I realized that you can't
                            make it off of hunting and fishing six months out of the year, so I
                            built a kitchen and a small dining room.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>What year was that?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I came up here in 1981. I put my kitchen in in '82—the end of
                            '82. In '84 I built the first dining room that's over the wharf, and
                            went into the seafood business. I went from one employee in 1981 to,
                            probably, in 1984 I had three. In 1999 I had twenty-three. I average a
                            little over three thousand people a week for this little restaurant.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Which seats—? You told me already.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Which seats, now, one hundred and thirty-five. It went from twenty-eight
                            seats to a hundred and thirty-five seats over this period of time.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You've got other businesses associated with this restaurant.</p>
                    </sp>
                    <pb id="p6" n="6"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, then I built a campground. And then in 1998, in the fall, a good
                            friend of mine came in and went partners with me on—not on the
                            store and the restaurant, but we built ten cedar cabins with tin roofs,
                            and bought forty canoes and a fifteen-passenger van, and started running
                            trips on the creek. And the restaurant business just kept growing. We
                            had just started [the creek trips before the flood]. We had the cabins
                            we finished up and opened in May of 1999.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Ten cabins, was it?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Um-hum. They were just starting to pay for themselves. I think we had
                            done thirty-eight or forty-eight church groups and youths groups, as far
                            as running trips on the creek. We were renting quite a few individual
                            canoes out, for people's day trips. Then on September 16th, it all
                            stopped.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>That's when the flood came.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>That's when the hurricane hit us.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Did you have high winds? You could tell the hurricane was passing
                            through?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh, yeah. I had maybe four or five threes that got blown down. Really
                            didn't have hardly any damage—a few shingles off here and
                            there.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Now your house is also here. You own a good bit of river frontage? Much
                            more than that one piece you bought in '81.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, I leased this property for thirty years.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>That's right.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>There's three thousand feet of water front here. There's about seven and
                            a half acres. A few years back I bought a couple of lots on the creek
                            right around the corner <pb id="p7" n="7"/> from the store. In 1992 I
                            built a house in there on pilings, which is only three lots away from
                            the campground. Then in 1994 I bought a hundred and ten acres on Shelter
                            Creek. Then I bought another thirty-eight acres right next to it. I own
                            a mile on Shelter Creek up there and a quarter of a mile on Angola
                            Creek.</p>
                    </sp>
                    <milestone n="1634" unit="empty" type="stop" timestamp="00:08:25"/>
                    <milestone n="42" unit="excerpt" type="start" timestamp="00:08:26"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And that's all been through floods and hurricanes before, right?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well Fran, when it came through, I got some water in my garage under my
                            house. That didn't bother me a whole a lot. The store had no water in
                            it. The campground didn't have any water in it. And my farm—.
                            I did get fourteen inches of water in a little camp that I have down
                            there, but it wasn't very destructive. But this September, the water
                            came up, basically, about seven and a half feet higher than Fran did at
                            the restaurant, the store, and the campground, and my house. It didn't
                            rise that much at the farm. We had the back up effect of the water not
                            being able to get out of here—which was no one's fault. It was
                            just that too much water came down at one time.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So back to the fifteenth, four trees blew down and then you got up the
                            next morning it was still possible to live here?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh, yeah. The water didn't really get bad until the hurricane hit on
                            Wednesday.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Right. And that was the fifteenth, wasn't it?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. The fifteenth. And three days later is when we realized that it
                            [the flooding] was going to be worse than we'd ever seen.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>How did you start knowing that?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, we came across the river bridge and the water was getting so deep
                            that you couldn't drive a vehicle. Shelter Creek was still dry at the
                            time, but it [the flood <pb id="p8" n="8"/> water] had gone across the
                            road down here at the Northeast Cape Fear and then gone across the road
                            up toward Maple Hill. It was getting to the point that you couldn't
                            drive through it. By Saturday the water was a least two feet deep in the
                            restaurant. By Sunday the water was six feet deep in the restaurant.
                            Then the water stayed up for probably a week after it got here because
                            it didn't have anywhere to go. I didn't get to see the water inside my
                            store or house or anything because I was in the hospital at the time
                            with back surgery. I left on Saturday after the hurricane. The roads
                            were already closed then and it was already in my business. I ended up
                            in the hospital.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You were watching on TV, the news about this place.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. One night I was watching the news and they were showing a boat
                            going down Highway 53. They showed a roof and I recognized it as my
                            business. Some friends came [to the hospital]. They didn't want to tell
                            me about it because I was kind of in bad shape. Then I found out it also
                            went in my house. I stayed, altogether, eleven days [in the hospital]. I
                            was unable to walk or get up. On the eleventh day they found out what
                            was causing the problem [and] they operated on me. I got out of the
                            hospital on a Friday, and on Sunday morning they told me I couldn't ride
                            or drive for six days. But on the second day I told my mother that I had
                            to go see what I was facing. She brought me up here and that's when I
                            saw what was left of my store.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>What did you think when you first saw it?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, it was devastating. After I saw the store and the campground, I
                            went to my house. I couldn't go to the farm because I just couldn't face
                            one more thing in the same day. I'd seen them both. It's not the worst
                            thing I ever went through. I lost a daughter eight years ago to cancer.
                            There's nothing that can devastate you as much as <pb id="p9" n="9"/>
                            that did. I made up my mind that I just had to get on some people
                            working, and get this place back on its feet—get it opened
                            back up. It supports two big families and other businesses that are
                            related to services with this place. Nobody wanted to see it go away,
                            including me. Now we're in the process of rebuilding. I've been out of
                            my home for four months. I've been out of my business for that long,
                            too. I qualify for some SBA loans. I don't qualify for anything through
                            FEMA at this time, that I know of. They tell me I don't qualify for
                            anything.</p>
                    </sp>
                    <milestone n="42" unit="excerpt" type="stop" timestamp="00:13:46"/>
                    <milestone n="43" unit="excerpt" type="start" timestamp="00:13:47"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Do you understand that process? Can you explain it to us, and how they
                            determine who is eligible for FEMA and SBA, and so forth?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, I wish I could explain it. I don't understand it. I watched TV
                            while I was in the hospital [and heard about FEMA]. When I got out of
                            the hospital and I went to them, they said, "Oh, we're going to
                            help you out."</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You went to them in Burgaw?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Um-hum. When I finally got out of the hospital [and got to the point]
                            where I could walk, I went in and filled out all the paperwork. I got a
                            letter from them saying that I didn't qualify for anything.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Because you are—?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>It really didn't say. It said, "At this time you don't qualify
                            for anything." Since I was turned down by FEMA for any
                            assistance, I went to my bank. My bank told me that whatever it took to
                            get me back in business, they would help. Then SBA showed up. SBA said,
                            "We're going to put you back to where you were before the
                            hurricane."</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>That was when? What month?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>That was in October—the end of October.</p>
                    </sp>
                    <pb id="p10" n="10"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And this [SBA] person came out of Raleigh? Out of Washington?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I guess he came out of Atlanta. That or Washington. But the process
                            is—. I still ain't got any money and it's been four months
                            since my place closed down. I think we're getting close to that. As long
                            as you got enough collateral, then they loan you the money. They don't
                            give you any money. They loan it. You pay it back at a lower interest
                            rate.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Can you tell how much you want to borrow and how much collateral they
                            require? That seemed a little bit high when you were telling us before.
                            More than a little bit.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I don't understand how they figured it. They tell me that I qualify for
                            three-hundred and sixty-eight thousand dollars in loans on my store and
                            restaurant. The campground did not qualify for anything because it has
                            not been in existence since May, actually. I didn't have a track record
                            back there, even though I owned the campground before and I turned it
                            over to a new partnership.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>It's been in business thirty-three—.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, eighteen years in this location. But that it didn't qualify for any
                            assistance—loans or anything else. My house qualified for a
                            hundred and thirty-eight thousand dollars in loans. I had flood
                            insurance on it. The flood insurance wasn't as high as their estimates
                            were to fix it. The man that built it originally says he can put it back
                            the way it was for a lot less than they estimated. They just started
                            working on it. I also had a farm. It went under water and it didn't
                            qualify for anything.</p>
                    </sp>
                    <milestone n="43" unit="excerpt" type="stop" timestamp="00:17:13"/>
                    <milestone n="1635" unit="empty" type="start" timestamp="00:17:14"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Say what you raised on the farm.</p>
                    </sp>
                    <pb id="p11" n="11"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, it's a small game preserve with deer, wild turkey, ducks,
                            squirrels, rabbits.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Are you actually responsible for putting some of those animals out there,
                            or do you just make it attractive for them?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I make it attractive for them. I was probably spending six or seven
                            thousand dollars a year feeding wild game and taking very little. I've
                            been a sportsman all my life and I figured—.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And you have two sons who are [sportsmen] as well, right?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. I always felt like if God looked out for you and you could afford
                            to do it, that you needed to give something back. That's one of the
                            places that I give back. They don't go hungry at the farm. We plant
                            corn, we plant oats, soy beans. We plant rye and peas. I bought five
                            loads of sweet potatoes last year. I probably bought four or five
                            hundred bags of corn and put it out for them.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You drive your truck out there and just leave these things around the
                            fields?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I put seven fields in on this property and I plant it every year. I built
                            a duck impoundment that's about five acres when it is flooded with
                            water. I put a corn field right in the middle of it. There was one road
                            in, and I have a little more than four-and-a half miles of roads and
                            trails that I've cut and maintained. It's a right unique place.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And people pay to go in there hunt?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>That's separate. You don't have that as a business.</p>
                    </sp>
                    <pb id="p12" n="12"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No, it's not a business. It's something I did for my children, because
                            we're losing all the land to development. I thought this was a way my
                            kids would learn to respect wildlife and the outdoors. This is what I
                            try to teach them.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>How do you get there from here? Do you go on the river?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, you can. It's twelve miles by water, but you can't go up and down
                            the creek right now, because there's too many trees across it. The
                            county had just finished cleaning them up about a year ago. Now, all of
                            a sudden, this last storm, or three storms this year, blocked it up
                            again. By land it's only four miles up the road.</p>
                    </sp>
                    <milestone n="1635" unit="empty" type="stop" timestamp="00:19:48"/>
                    <milestone n="45" unit="excerpt" type="start" timestamp="00:19:49"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So, you've mentioned three storms. How many inches of water does that
                            total?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right here in our neighborhood, with the three storms, [the water]
                            amounted to forty-one inches. Some places got a little less and some
                            places got a little more. One storm dropped twenty-one inches of rain on
                            us—Floyd—which is kind of a lot of water to dispose
                            of. I think a lot of it's got to do with—. We're doing so much
                            development now. We're cutting so much timber, that there's nothing to
                            soak up the water. The worst part is hurricane season usually hits us
                            when the sap quits rising. Consequently, all these trees are not
                            drinking the water that they drink during the rest of the year. But I
                            don't think if you look anywhere in this nation they've gotten that much
                            rain in that period of time.</p>
                    </sp>
                    <milestone n="45" unit="excerpt" type="stop" timestamp="00:20:48"/>
                    <milestone n="46" unit="excerpt" type="start" timestamp="00:20:49"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Right. Tell me more about that process of how they opened the dams on the
                            main Cape Fear River and so on. You understand that better than anybody
                            I've talked with.</p>
                    </sp>
                    <pb id="p13" n="13"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, you have [two] locking dams—Riegelwood, and the other
                            one's up in Elizabethtown.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Riegelwood, what county is that in?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>That's in Brunswick.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I think it's Brunswick. It might be Sampson County.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>They didn't have a choice but to open the dams. They tried holding it
                            back as long as possible. It was either open the gates, or the gates
                            blow out—which would have been devastating [and would
                            have]caused more flooding in their area than they already had.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So they opened the gates gradually, or just—?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, I'm sure that they tried doing it in a reasonable intervals, you
                            know, to let this water off. What happened was, the Cape Fear River
                            filled up.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>It backed all the way up from Wilmington back, right?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, the Cape Fear River was at forty-foot or something, flood stage.
                            When they let the water out it came down to Wilmington.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So, it hits the ocean, right?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No, what it does [is] it comes down and hits Wilmington.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Then the Northeast Cape Fear in Wilmington runs together, and Black
                            River, all down in Wilmington.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <pb id="p14" n="14"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>When the water came down it didn't have anywhere to go. It was such a
                            magnitude of water coming from everywhere that the water started backing
                            up. The reason that we know it was backing up is because up the road
                            from us the water was a lot lower than it was here, and there was no
                            reason for it to be lower. That's where the water started at. The water
                            shouldn't have built up that high. We should have got less. Instead, we
                            got more. It had to be a backup effect that caused the extent of the
                            flooding that we had, but nobody I know of blames them for opening the
                            dams. They didn't have a choice. It would have been nice if we could
                            have foreseen it and they could have let the water out before it ever
                            got that bad, but I'm sure they were doing the best they could. We just
                            had to pay the price this time.</p>
                    </sp>
                    <milestone n="46" unit="excerpt" type="stop" timestamp="00:23:27"/>
                    <milestone n="47" unit="excerpt" type="start" timestamp="00:23:28"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>How many people in Pender County have been affected by the flood?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>One of the reports that I saw at the county office was thirteen hundred
                            homes, not counting businesses.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Can you name some of the communities where it was worst?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, Maple Hill, White Stocking, Stag Park, Burgaw, Currie. Some places
                            were a lot worse. We had a lot of flooding up near the Penderlea area,
                            especially Wallace. Wallace is in Duplin County. They had extensive
                            Rockfish Creek running into the Northeast backed up over the highways
                            and devastated the people in that area. Probably our worst area was
                            Holly Shelter Creek, White Stocking, Grooms Bridge Road, on this side of
                            the county. Stag Park. Burgaw, they're not in a flood zone and they
                            didn't realize how bad it was for them—or how vulnerable it
                            was. They were where this water backed up. We also had three industries
                            on I-40. It completely closed down I-40 <pb id="p15" n="15"/> for a
                            period of time. These three businesses, it is the second time they've
                            been flooded in the last three years. They have more than seven hundred
                            employees.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>What are those businesses?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Chloride, Wheeland, and Leslie Lock.</p>
                    </sp>
                    <milestone n="47" unit="excerpt" type="stop" timestamp="00:25:41"/>
                    <milestone n="48" unit="excerpt" type="start" timestamp="00:25:42"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay. Let's talk a minute, since you're a county commissioner, about what
                            the county's role is in the recovery effort or in the rescue effort. How
                            did you see the county taking action? You were in the hospital part of
                            that time, but what's the responsibility of each branch of government,
                            the federal government, and so on? How is that divided up and who knows
                            whose responsibility it is to save people's live and then whose it is to
                            help people rebuild and that sort of thing?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, the saving of lives comes up in emergency management. We did have
                            to come in with helicopters and pick up people.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Pender County has helicopters?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No. We had to bring in rescue helicopters.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>From?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Which is military, and there were some private ones, too, but not from
                            Pender County. Camp Lejeune, Fort Bragg brought in amphibious vehicles
                            to help move people out and to gather up dead animals from farms and
                            all. The county was basically more of the focal point where they did the
                            assessment where the water was rising, where they needed more
                            assistance, helping with food banks. And then the Red Cross came in.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You have a chapter in Pender County?</p>
                    </sp>
                    <pb id="p16" n="16"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No, but we're in a district area. They came and gave out things and tried
                            helping as many people—. A lot of assistance went through
                            social services and the governor and all sent in supplies and stuff out
                            here.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>But some of that just didn't work as smoothly—. I mean, part of
                            this history is about the recovery effort, and if it just didn't work
                            well, if it didn't get to the right people in every case, then I think
                            history deserves to know that. Often in our media coverage and the
                            announcements we get from Governor Hunt's office, it seems as though
                            everyone is getting equal shares of all this, and counties are getting
                            it, you know. Where does it go? It goes directly from the governor's
                            office to social services?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, like I say, I was in the hospital during the crucial time, but my
                            understanding was that just about all of the assistance came down from
                            Raleigh, from the state.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>From that governor's emergency fund?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right. [It] came through social services. I think a lot of people were
                            left out of the loop because flood victims were displaced. They lost
                            their homes. They didn't have anywhere to stay.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And they were gone to other counties?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. They had to find shelter somewhere else. We tried to get the mobile
                            units in here as fast as possible. It seems like a lot of people that
                            needed them didn't get them. A lot of people still haven't got any help.
                            I think there is a better way to do it. They need to assess the damage
                            in other ways.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Can you give recommendations for how that could work?</p>
                    </sp>
                    <pb id="p17" n="17"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I think a lot of people that got assistance weren't hurt and didn't
                            deserve it, but they took it anyway because it was free. It really put a
                            bad taste in a lot of other people's mouth. Here I am, I lost everything
                            I had, and I'm not getting any assistance, or any answers, and people
                            that weren't even affected by the flood—I mean they were
                            affected by the hurricane, but they didn't lose their homes and didn't
                            have water in them, or their businesses, or anything else—
                            were standing in the lines getting a lot of this stuff that should have
                            went to people.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Food? Money?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Everything. I think that when all is said and done and they start looking
                            back at it, some of these people are going to be sorry they did what
                            they did. I hope they'll feel responsible for taking things that they
                            shouldn't of took—that they didn't deserve. There's a lot of
                            people in Pender County that got hurt a lot—lost everything. A
                            lot of people didn't lose anything benefited from it. A better way is to
                            assess the damage of who got hurt, and keep a record of who got the
                            services. I just don't feel like a lot of the that people deserved it
                            got it.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>As county commissioner, is there any way that you can see the county
                            doing a better job?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I think the county did an excellent job. The breakdown came when the
                            stuff was sitting in here. It was sent to be distributed, maybe not in
                            the fairest way. I think that the ball got dropped between the state and
                            the federal government. I don't think the county dropped the ball. We
                            did everything financially that we could do. There's only so much money
                            in a county. You do not have the resources that the state and federal
                            government has.</p>
                    </sp>
                    <pb id="p18" n="18"/>
                    <milestone n="48" unit="excerpt" type="stop" timestamp="00:31:44"/>
                   <milestone n="49" unit="excerpt" type="start" timestamp="00:31:45"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>About how much money can a rural county like this put together to help
                            people? And how did you use that money?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, a lot of the money which the county puts up initially is
                            reimbursable through FEMA or through different agencies that help in
                            these disasters. But the county, and the state—. One of the
                            things that the state did do this time was that they took over the
                            debris removal. Right now the problem that I see is they're going to
                            quit picking up debris. Well, a lot of the neighbors here still haven't
                            got any money, so consequently, they haven't been able to do any
                        work.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>In other words, removing debris costs money?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right. We front a lot of it and then hope that we get back part of it. We
                            set up areas to haul debris through waste management or waste industry.
                            We use the resources that we do, but they have to be paid.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And that includes the county landfill?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, we don't have a landfill any more. They closed ours down.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Where do you take all this?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>We have some staging areas that it's taken to initially, and then we have
                            to have a contract to haul it to a landfill by somebody that's licensed
                            and can take the kind of material that we have.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Is that in a close-by county, or do you have to go out
                        and—?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I think it's over in Sampson County, the closest one. Hauling costs is
                            not cheap. You're talking about a lot of debris when you're talking
                            about thirteen hundred homes and then businesses that have to be gutted
                            or tore down. One of the biggest things that we lost was a lot of
                            trailers, which were people's homes. Like you say, even when <pb id="p19" n="19"/> you have insurance, there's things that you lose
                            that you can't replace. You know, the picture on the wall, or whatever.
                            In my case, I just, I never though of my store going under water. I
                            never thought of my house having water in it, because of the elevation.
                            It opens your eyes. I don't know what the answer to it is. Is this is a
                            five-hundred year flood? Do we not ever have another one for five
                            hundred more years? Or, do we have one next year? Most of us, including
                            myself, have to borrow the money to start over again. The one's that we
                            feel the sorriest for out here are the people that are on fixed incomes
                            and the elderly. I mean, they can't pay money back. I don't see where
                            they're getting the assistance that they need.</p>
                    </sp>
                    <milestone n="49" unit="excerpt" type="stop" timestamp="00:34:53"/>
                    <milestone n="1637" unit="empty" type="start" timestamp="00:34:54"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>In order to borrow money, you had to have had flood insurance?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No, you didn't have to have flood insurance. You have to put flood
                            insurance on it if you borrow the money.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay. You have to buy the insurance in order to get the loan.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>From SBA, a least. From the bank, too, probably.</p>
                    </sp>
                    <milestone n="1637" unit="empty" type="stop" timestamp="00:35:17"/>
                    <milestone n="51" unit="excerpt" type="start" timestamp="00:35:18"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. It makes no difference. The rates are better, but the parameters of
                            what the loan are for cost you a lot more through SBA then it does
                            through the bank.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>That's the first I've heard that. It costs more to borrow from SBA?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, it does because of all the loopholes. By the time you hire a lawyer
                            to do title searches, deed of trust, and then you get flood insurance,
                            that's a continuing expense, through the life of the loan.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You figured it up? How much is that money going to cost?</p>
                    </sp>
                    <pb id="p20" n="20"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, just on this store loan, if I ran it for thirty years and made the
                            payments like they set up, it's going to cost me about a hundred and
                            eighty thousand dollars, extra, just in insurance premiums, above what
                            I'm already paying.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Just to borrow three hundred and thirty some thousand. So you're spending
                            more than half to borrow the money.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>If you didn't have this money set aside, some sort of nest egg, there
                            would be no way you could rebuild.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, to start with, to qualify for loans you have to have the insurance
                            in place. Most people aren't sitting around with a nice nest egg, or
                            they've got it tied up in a retirement program, or something, that when
                            you take it out, you have to pay taxes on it. That leaves you without a
                            whole lot of money, but you have to do these things to qualify for your
                            loans. I had to prove that I had insurance on everything that was being
                            used for collateral. Consequently, if I hadn't had the money to buy the
                            extra insurance that they require, I couldn't have borrowed the money.
                            Then, I have to continue paying that every year as long as you have
                            borrowed money. And the difference—. My house and my farm,
                            there was no question about those. My store—. The problem is,
                            on commercial property, it's not—. I don't pay twenty-two cent
                            on a hundred, like a do for a house. I pay a dollar and seventy-eight, I
                            think it is, a hundred on the store. Well, that mounts up to a lot of
                            insurance. The difference is my house is worth two hundred and fifty
                            thousand dollars, or two hundred and twenty-five thousand. The store is
                            worth two hundred and twenty-five thousand.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>The store slash restaurant.</p>
                    </sp>
                    <pb id="p21" n="21"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. So, my insurance on my house is going to cost me, three hundred and
                            eighty dollars. The insurance on my restaurant is going to cost three
                            thousand three hundred and twenty six dollars a year.</p>
                    </sp>
                    <milestone n="51" unit="excerpt" type="stop" timestamp="00:38:16"/>
                    <milestone n="1638" unit="empty" type="start" timestamp="00:38:17"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So how are you doing on time?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh, I'm fine.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Still okay. This tape is probably going to run out, and we'll turn it
                            over. But, these fellows are moving this mobile home. Is that something
                            that was on your property?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>No, that's a new one. They must be taking it to somebody.</p>
                    </sp>
                    <milestone n="1638" unit="empty" type="stop" timestamp="00:38:56"/>
                    <milestone n="53" unit="excerpt" type="start" timestamp="00:38:57"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay. Looks like they're going through debris. Well, I'm thinking of
                            different levels. We've talked some about the county. We talked just
                            slightly about Governor Hunt's sending money to social services. What do
                            you think about all these millions of dollars? There's a lot of
                            controversy right now in Raleigh between legislators, say, from the
                            mountains—particularly Republicans who say, "We don't
                            want to pay for this." Then there's Governor Hunt's side that
                            says, "Well, we don't want to raise taxes to come up with
                            money. We're going to take it from the other programs." His
                            statement in yesterday's news was, "If you have a leak in the
                            kitchen you have to stop building your deck on the front of your house
                            to go and fix the leak." He's saying the leak is like the
                            flood, and the deck on the front of the house is like all these other
                            social programs, Smart Start, and some of those. Where do you stand on
                            those kinds of issues? What should the state do?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I don't know how much the state can do. They work on basically seven
                            percent—that is what our tax rate is. I think there's a lot of
                            programs, because I'm a <pb id="p22" n="22"/> county commissioner, that
                            aren't working. They are administrated through the state. They include
                            social services, or Head Start, or any of the rest of them. They've
                            proven they are not working, but they keep funding them. There's a lot
                            of money that's being wasted in this state. Not that we deserve any more
                            than anybody else in the state, but I think that we've all shown that
                            when other disasters happen in other places, we pitch in and help. All
                            we expect is the same from them when it happens to us. The majority of
                            people are moving to <note type="comment">
                                <p>[Unclear.] [Background noise of car driving by.] </p>
                            </note>. We happen to be in a cycle right now, and they say it's a
                            ten-year cycle on hurricanes. I mean, we went for years, and years, and
                            years, and we paid the rates. We pay them down here because we live here
                            on the coast. Insurance-wise and everything else, we pay the rates. This
                            is the time that it is hitting us the hardest. I'm not sure how it
                            worked, but when Hugo turned and went up and went into our mountains and
                            then to Charlotte, and all, for what I understand, they helped those a
                            lot up there. No one complained down here about helping. I happen to be
                            a Republican, and if any Republican senator or house of representative
                            that doesn't feel like they want to cut any programs out or help the
                            people down here, they don't get to be in office. You know, and whether
                            you are a Democrat or Republican makes no difference. I don't look to
                            see what you are, when you come before us as a county commissioner. It's
                            either right or its wrong. Now, if you don't feel like it's right to
                            help the people of Eastern North Carolina through this devastation, then
                            you vote that way, but if you're doing it purely because you think the
                            money is more important in a Head Start program, or one of these
                            programs that has been proven they're not working—. I mean,
                            basically, a lot of these programs are baby sitting programs. Are they
                            more important than people's homes and lives? To furnish a baby sitting
                            service? I <pb id="p23" n="23"/> hope none of them have to go through
                            what we've gone through down here. I hope that it never hits them at
                            home like it has us. This cycle will change. We'll go back to sunny
                            skies. The one thing that the law makers need to understand is a lot of
                            our tax base comes right off this coast. It feeds the whole state, it
                            doesn't just feed us. Tourism is one of the biggest things there is.
                            That's one thing we have a lot of. Your mountains have a lot of it, but
                            you need to look out for each other. We're all North Carolinians, one
                            way or another. I mean, all you have to do is go back over history and
                            look at all the pork barrel money that's been wasted. Instead of cutting
                            our taxes where maybe we could afford to carry more of the load, instead
                            you all keep the same tax rate, but you keep wasting the money. You keep
                            doing these projects. I mean, every day you read in the newspaper where
                            somebody has got caught because they've done something they shouldn't
                            have done. I'm talking about our legislators, our highway commissioners,
                            and everybody else. It seems like they don't ever have to pay money
                            back. Most of us down here are not getting "give away"
                            money. We're paying it back. Most of us pay taxes. I'm going to pass up
                            the state level because I don't know how much the state can really do.
                            Federal money—. I'm in the thirty-eight percent tax bracket.
                            The federal government is not loaning me anybody else's money, except
                            what I've worked hard and paid in, and they're charging me interest to
                            use it. It's the same way with federal programs. Every week you see on
                            the news, it's something, the fleecing of America. Well, it's time for
                            the fleecing to stop. This week I saw where we were shipping out to
                                <note type="comment">
                                <p>[Unclear]</p>
                            </note> all these millions and millions of dollars worth of aid. They
                            don't have to pay a dime back. All we want you to do is cut the red tape
                            out and if we're going to borrow money, get it down here and let us get
                            started. Let us get to build back and be productive again. I've got
                            twenty-three <pb id="p24" n="24"/> employees that are sitting out here
                            looking for a job. They're going to have to go to work before long if I
                            don't get open. One of the things the state did this time, and I think
                            it's great that they did, is they are not going to change the businesses
                            unemployment rate because of this disaster. Which is a big help.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Explain what you mean by that.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, you pay unemployment taxes on a sliding scale of what your rate is,
                            or how dangerous it, whether it's a tree man, a line man or a cook,
                            right on down to if you've got clerical work going.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>One is more likely to cause disability than the others.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>So you try and get your rate down as low as you can by not having
                            accidents, by working safe—by teaching your employees to work
                            safe. The state came along after the hurricane and said, "Okay.
                            We're going to let your employees draw unemployment, but we're not going
                            to let them draw against you. That will keep your rate from going
                            up." Every person that draws makes your rate go up. I have a
                            very good safety record here. I've had two accidents in ten years, and
                            none of them were real bad.</p>
                    </sp>
                    <p>
                        <note anchored="yes">
                            <p>[END OF TAPE 1, SIDE A]</p>
                        </note>
                    </p>
                </div2>
                <div2 id="tape1-b" n="1-B" type="tape_side">
                    <head>[TAPE 1, SIDE B]</head>
                    <note anchored="yes">
                        <p>[START OF TAPE 1, SIDE B]</p>
                    </note>
                    <milestone n="53" unit="excerpt" type="stop" timestamp="00:46:45"/>
                    <milestone n="54" unit="excerpt" type="start" timestamp="00:46:46"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>What the state did was say, "Okay, you estimate when you're
                            going to be back in business." My estimation was the fifteenth
                            of January. That was under the assumption that my SBA loan, and all,
                            would come through where I could do more work. Well, this is on the
                            fifteenth or fourteenth?</p>
                    </sp>
                    <pb id="p25" n="25"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Today?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Well, I have the sixteenth on my watch.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>I think it is the fifteenth.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Oh, it is? Well, my watch was wrong. Well, okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, it is the fifteenth of December, and I'm about thirty per cent
                            through my building. I'm at the point now where I've just about depleted
                            what I had saved up, and now I'm waiting on the federal government.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>That makes it exactly three months, really. September, October, November,
                            December. Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Until the money starts coming in, which you have to jump through all the
                            hoops and send in receipts, and all, of what you're doing—.
                            And most businesses or homeowners, even homeowners, aren't as lucky as I
                            was. I had saved some money to pay off some debt. I've used that money
                            to get started. I'm probably not going to hit my target date of January
                            the fifteenth, but hopefully I'll make it back, say February the first.
                            But come January the fifteenth, my employees have to start looking for a
                            job. If they don't find one, then it starts going against my
                            unemployment.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So for four months, exactly, they would not put it against yours.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay. But then you think for two weeks you're going to have to start
                            paying—.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, if, if—I'm still waiting on my SBA loan. I've been
                            approved. I've done all of the things they told me I had to do, but the
                            check's not in the mail yet.</p>
                    </sp>
                    <pb id="p26" n="26"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And what all did you have to do? You had to get insurance, we went
                            through that.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Insurance, you had to get title searches, you had deed of trust. You had
                            to have an opinion on your property.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Um-hum. Appraisal, right?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Appraisal.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And all that you pay for?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh yes.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>And I was lucky because the lawyer that I used was the one that I used
                            when I bought the things that I had. So consequently, none of it had
                            changed over the years as I made payments. I just paid it down. But a
                            lot of people aren't as lucky as I was. And a lot of people weren't as
                            lucky as I was by having my ( ). I was a lot further along that most
                            businesses or homeowners. And I'm just hoping and praying that I make it
                            at least by February the first. Because I need these people back to
                            work, and I don't need my employment rate to go up to where I have to
                            pay more. I'm already paying enough. I don't need to be paying more.</p>
                    </sp>
                    <milestone n="54" unit="excerpt" type="stop" timestamp="00:50:19"/>
                    <milestone n="1640" unit="empty" type="start" timestamp="00:50:20"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Now, these twenty-three are just for the store and the restaurant, or are
                            they also for your camp?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>That's just the store and the restaurant.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Total, how many people do you employ in the season when you're open with
                            the cabins?</p>
                    </sp>
                    <pb id="p27" n="27"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, we just opened it up, my partner and I, and we have one contract (
                            ) that comes in and cleans cabins, a cleaning service. And the rest we
                            do ourselves.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>
                            <note type="comment">
                                <p>[Aside to someone who enters room.]</p>
                            </note> How are you?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Hello.</p>
                    </sp>
                    <sp who="spk3">
                        <speaker n="3">UNIDENTIFIED SPEAKER:</speaker>
                        <p>What do you say?</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Do you want me to ( )?</p>
                    </sp>
                    <milestone n="1640" unit="empty" type="stop" timestamp="00:50:53"/>
                    <milestone n="56" unit="excerpt" type="start" timestamp="00:50:54"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Six or seven cases of ( ), back there in my office. We had to throw them
                            away, salt, pepper. Everything that was plastic had to be thrown away.
                            Now we find out that there wasn't any pollution hardly in this water.
                            Well, it's too late now. Everything's been thrown away. Tee-shirts. I
                            probably had two hundred and twenty-five tee-shirts hanging on racks
                            back there, rods and reels, coolers. I mean just, it's unbelievable all
                            of the stuff that was in here. And stuff on the walls. I mean, there
                            were three Terry Revlin prints hanging on the wall that I bought at
                            either Ducks Unlimited or either the Wild Turkey Federation, that
                            anywhere from three hundred to six hundred dollars. All of them are gone
                            now. Wildlife that was hanging in here. My bear is going to survive. My
                            old wooden Indian is going to survive, and those bass out there are
                            going to survive. But, I mean, probably half the stuff that was in here
                            people gave me. They were in Saudi Arabia and brought me a can back with
                            the letters of Saudi Arabia, or whatever.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>( ).</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah, yeah. Just all kind of stuff in here that was—and that
                            you can't replace. Some paintings and stuff that local people did. There
                            were two wall over in there that were covered with nothing but hunting
                            and fishing pictures from, it started eighteen years ago, that were
                            people that were five and six years old and fishing with their <pb id="p28" n="28"/> daddy, and now they're married and got kids, and
                            say, "This is me with your granddaddy." All those are
                            gone now. It's, those are the things that you can't replace that's going
                            to be the worst, because this is probably—well, I got a bunch
                            of pictures at the camp that shows this place. This was one of the most
                            unique places in the world. I mean, everybody that came in here, that
                            bear and that Indian met you when you came in. I mean, generations of
                            persons were coming to this place. I mean, it's—.</p>
                    </sp>
                    <milestone n="56" unit="excerpt" type="stop" timestamp="00:53:10"/>
                    <milestone n="1641" unit="empty" type="start" timestamp="00:53:11"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Why do they like coming?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, just the way it looked and the food. Plus, I've got some of the
                            best employees you'd ever want to have working for you. Not all of them
                            are that way, but a—I have five that went from nine years to
                            fourteen years with me. You know, when people stay with you that long
                            you must be doing something right.</p>
                    </sp>
                    <sp who="spk3">
                        <speaker n="3">UNIDENTIFIED SPEAKER:</speaker>
                        <p>You get the schematic?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Shucks, no.</p>
                    </sp>
                    <sp who="spk3">
                        <speaker n="3">UNIDENTIFIED SPEAKER:</speaker>
                        <p>Ain't got it yet?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Nope. It didn't come in the mail because I checked it last night. I don't
                            know why it didn't come. ( ). They was going to bring that refrigerator
                            and that beer cooler, Monday, and bring the schematics for the coolers.
                            And I got the new door hinges and all. Do you know how much a set of
                            hinges for that walk-in cooler is? Two hundred and fifty collars for two
                            hinges. A hundred and twenty-five dollars a hinge.</p>
                    </sp>
                    <sp who="spk3">
                        <speaker n="3">UNIDENTIFIED SPEAKER:</speaker>
                        <p>That's probably a good hinge, ain't it? <note type="comment">
                                <p>[Laughter]</p>
                            </note>
                        </p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Now you ( ) fixing?</p>
                    </sp>
                    <milestone n="1641" unit="empty" type="stop" timestamp="00:54:24"/>
                    <milestone n="58" unit="excerpt" type="start" timestamp="00:54:25"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>They were a God-send, the volunteers that came here. They gutted this
                            place in four days.</p>
                    </sp>
                    <pb id="p29" n="29"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Where were they from?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, I say volunteers, but not volunteers. It was that president, our
                            wonderful president, had a deal where they pay them seven dollars an
                            hour.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Oh, Ameri-Corps.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right. And, but I'll tell you what, they're workers. They came in here
                            and gutted this whole place. The only problem was, just like the door
                            hinges, when the ripped it out, instead of saving them they threw them
                            away. I mean, they didn't save anything. They threw everything away that
                            was in here.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Now they were saying to some people in some communities, "Throw
                            everything away because it is contaminated." You were saying
                            something about that. Is that what they were telling you?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh yeah. They told us if you had any clothing, anything that got wet with
                            this water, throw it away. You can't wash it.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Why? I mean, why did they tell you that?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Because of the pollution in it.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Pollution from—?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, the first reports were is that all these hog farms, and turkey
                            farms, and all the dead animals, and all the e-coli, all this stuff.</p>
                    </sp>
                    <sp who="spk3">
                        <speaker n="3">UNIDENTIFIED SPEAKER:</speaker>
                        <p>Someone said it was dead hogs.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>But, I went to the Health Department and I was talking to the head, the
                            health director. And he told me that out of three thousand that they
                            only had like, twenty-six that had e-coli in the water. And all you had
                            to do was Clorox it, and they all cleared up. I think they got three
                            left in Pender county that hasn't cleared up. You know, so, where's <pb id="p30" n="30"/> all the pollution at? But, that's what they told
                            everybody. Get rid of everything. So, consequently, people threw all
                            their clothes away, everything. And now the problem is they are not
                            getting any assistance to replace all this stuff with.</p>
                    </sp>
                    <milestone n="58" unit="excerpt" type="stop" timestamp="00:56:20"/>
                    <milestone n="59" unit="excerpt" type="start" timestamp="00:56:21"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Yeah. We've heard that time and time again.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, and a lot of people got more than they deserved. And a lot of
                            people that deserved more got nothing.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Um-hum.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>It's like Mr. King over there, wanting to loan him money at seventy-four
                            years old with a bad heart. You know, that's not helping anybody. I mean
                            how many years did he pay taxes, and look out for his country? And
                            there's nobody here to help him. He's never used social services. He's
                            never used the Health Department. He worked and paid his way through.
                            Now that he's at an age that he can't do it again, they want to loan him
                            money? Huh. It's just not right. I don't know what the answer is. The
                            one thing that happens with all these disasters is the government keeps
                            growing. You know, that's the one thing I see is that every time you
                            turn around we have a disaster, they hire another five thousand people.
                            And once they put them on the payroll, they don't ever get off. So
                            government just keeps growing. The one thing they did here in Pender
                            County, and I don't know a lot about it. You can talk to our county
                            manager about it. But they did come up, the Feds, with some of the
                            people that are out of work, and I have two of my employees that are
                            doing it. They hire through the Federal government to do assessments.
                            And go out and take pictures of every flood house. Put it all on maps
                            and stuff like that.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>These are Federal employees or contractors? How does that work?</p>
                    </sp>
                    <pb id="p31" n="31"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>This is people like the people that work for me.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>That they're going to be out of work for X amount of time. Well, they,
                            they said, okay, the county can hire these because we need the maps
                            updated, we need to know where every house is. So, we'll let you pay
                            them X amount of money, and they'll come to work, and they can work for
                            six months. And then the job ends. Which is a good deal. It's, at least
                            a few of my employees took advantage of it. And the day that I open back
                            up, then their job ends and they come back with me. Or it can run until
                            June. Well, they're not going to be able, mine won't work through June
                            because I'm going to get opened back up one way or another. But, so it
                            gives them—they feel better about themselves instead of laying
                            around the house drawing unemployment. Now I have some that are just as
                            happy as they can be, going down there picking up that check once a week
                            for doing nothing. But then I've got some that just, they're workers and
                            they're not going to sit around and take and do nothing.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So that's an example of people getting on the Federal payroll and then
                            getting back off. But then there's some, you're saying, that get on and
                            never get off.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh, of course.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Are they FEMA people, or what's the story?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, I'm sure it's FEMA, SBA, all of it. It seems like the few times I
                            went to an SBA office and FEMA, they always had new trainees.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>In Burgaw?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Um-hum.</p>
                    </sp>
                    <pb id="p32" n="32"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay. I want you to describe that office in a bit, but go ahead and say
                            what you're going to say.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, every time you go in there they got new trainees working. And just
                            from listening to conversations with them, you know, I said,
                            "How long have you worked here?" "Well, I'm
                            training." "Well, how long have you worked
                            here?" "Well, oh, I've been traveling around doing
                            disasters for nine years. I did it just for one of them and now I've
                            ended up, I've worked, you know, now I've been here nine years, going
                            all over the country." Well, that's what happens. They hire
                            them. They, you know, it keeps growing. The government keeps growing.
                            You know, Pender County is the same way. There's state and federal
                            mandates, programs, that we have to do. And then they'll fund them for
                            about three years, and all of a sudden the funding goes away, but we
                            have to keep the programs. So then we have to pick up the dip. And
                            social services is the fastest one there is in the state. I mean, all
                            the social services are growing. Because they keep coming up with these
                            programs. Instead of cutting out programs that don't work, they just let
                            them stay there. Just mold around it. And then they have these new
                            programs, and they say, "Okay. We're going to fund this. We're
                            going to fund it eighty thousand dollars a year. It's going to take care
                            of this, two staff members, a part-time one, and this and that and the
                            other." And then at three years, all of a sudden the come and
                            say, "All right. We're not going to fund it any more, but
                            you've got to keep it." So what do you do? You have to raise
                            taxes. Because we hadn't raised taxes in Pender County in five years.
                            The reason we hadn't raised taxes is because the, the, we were in
                            bankruptcy. We had less than fifty-thousand dollars in fund balance six
                            years ago.</p>
                    </sp>
                    <milestone n="59" unit="excerpt" type="stop" timestamp="01:01:23"/>
                    <milestone n="1642" unit="empty" type="start" timestamp="01:01:24"/>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>The county was bankrupt.</p>
                    </sp>
                    <pb id="p33" n="33"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. The state wrote us a letter and said, "You've thirty days
                            to come up with a business plan or the state is going to take over
                            Pender County. It is the worse run county in North Carolina."
                            This was six years ago. For the last three years we've won the most
                            distinguished award in Pender, in North Carolina as the best innovative,
                            best run county there is. That's what happens when you get a good county
                            manager and some good commissioners.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Is that what you all did, you re-elected, I mean, elected some new people
                            and rehired a manager?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh, and not because they were Republicans, but we went from a board of
                            five Democrats that took, they spent, they spent more money in a month
                            than the county commissioners we have now spent in a year,
                        traveling.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Traveling.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>They went all over the United States. Every conference they came down and
                            stayed in a three hundred dollar a night rooms. County manager that was
                            here spent money just like there was no tomorrow. And then, got to send
                            this back. We hired a good county manager. They elected three
                            Republicans. Turned around and elected two more. We ended up with, five
                            years ago, we ended up with more than four Republicans and one
                        Democrat.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>And when were you elected?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Five years ago.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay. That's more than I thought. Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>But, we said, "All right. No more growing. We're going to get
                            rid of all the fat. You're going to start doing your jobs, or you're not
                            going to work here." And we <pb id="p34" n="34"/> have a county
                            manager that has stuck to the program. We had to raise taxes sixteen
                            cent that first year, just to keep the state from taking us over. Two
                            years later we gave back four cent of that sixteen cent and dropped the
                            tax rate, which is the first county that ever dropped the tax rate in
                            the history of North Carolina.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Um. That represents a huge change for local government, doesn't it?
                            Changing over to the Republican party majority is that, in this part of
                            the state—.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Oh, that was a—listen, the first Republican was elected seven
                            years ago.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>First Republican ever?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Ever in the history of Pender County.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>And not, we had some good Democrat government, too. Problem is we didn't
                            have enough, good ones. We had too many that were too easily lead and (
                            ).</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So they lead them to bankruptcy, to near bankruptcy.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, we had fifty thousand dollars in fund balance, which you're
                            supposed to keep between eighteen and twenty percent of what it takes to
                            operate. Which means that you need about two and one-half million
                            dollars. And we had fifty thousand dollars.</p>
                    </sp>
                    <sp who="spk3">
                        <speaker n="3">UNIDENTIFIED SPEAKER:</speaker>
                        <p>That sounds like my billfold.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. Sounds like mine, too. <note type="comment">
                                <p>[Laughter]</p>
                            </note>
                        </p>
                    </sp>
                    <sp who="spk3">
                        <speaker n="3">UNIDENTIFIED SPEAKER:</speaker>
                        <p>I'll see you tomorrow, Steve.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>All right.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay, let's go back to the FEMA office now. You went in there, you saw
                            these trainees and people. Where did they set up the office, and how
                            many people where there, and how long did they stay?</p>
                    </sp>
                    <pb id="p35" n="35"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, they're still here.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>In fact, I think they're getting ready to extend it another month.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>That's right. January fifteenth.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>They were in the corner building, in the Westwood Building when I went to
                            see them.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Is that in downtown Burgaw?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Um-hum. Right across from the court house.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <milestone n="1642" unit="empty" type="stop" timestamp="01:04:57"/>
                    <milestone n="61" unit="excerpt" type="start" timestamp="01:04:58"/>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>And you couldn't ask for nicer people to talk with. The, the ones that
                            wrote all the letters that said you don't qualify for anything are not
                            the people that were here that you dealt with. They were the bureaucrats
                            sitting in Washington, or in Atlanta, or somewhere else.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>So these people come down here and they sit in that office, or do they go
                            out around and look at your homes, or what do they—.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Well, these people sit in the office. And you go in and you fill out all
                            these forms and papers and stuff. And then they tell you whether you
                            qualify for FEMA or whether you qualify or you don't. You get a letter
                            on it. And—.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>They just process the papers and send them to Washington or Atlanta.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Right. So the ones that you deal with here are not the ones that give you
                            the final okay. I just did my final on the store loan last week, and a
                            lawyer from the SBA came for the closing. And I was lucky, because the
                            law firm that I've always used had all the records and everything of
                            what I'd bought, and how much I owed, and all this. So it <pb id="p36" n="36"/> wasn't quite as hard on me. But they came down, and I had
                            everything filled out that needed to be filled out. Most people, and
                            what I had to do was go to my lawyer and to my accountant for the
                            answers to a lot of the questions, because I didn't understand it. The
                            red tape involved in qualifying, the insurance, the, I mean, the average
                            person, including myself, could never figure out. You know, when you
                            would go and sit with these people, and say, "Okay. I don't
                            understand this." You might never get the assistance that
                            you're looking for. Because you don't have the assets, or the time, or
                            know who to go to, because all these people charge you when you go to
                            them and ask them for advice. You know, "What do I need to do
                            here?" They have to be paid. Well, if you've lost everything
                            you had, how do you pay this?</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>You mean as in lawyers and so forth?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah. I mean, how do you do all these things, buy insurance and stuff, if
                            you don't have any money? You know, there's got to be a better system as
                            far as at least coming up with a reasonable amount of money that you can
                            get to start with to get your life started back. And then work into your
                            long-term goals or whatever. But it's, I mean, there is no program that
                            I knew of that you walk in, except a certain group of
                            people—somebody was told that they were giving away seven
                            thousand dollars. I have a guy—.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Per family, is that what you mean?</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>Yeah.</p>
                    </sp>
                    <sp who="spk2">
                        <speaker n="2">CHARLES THOMPSON:</speaker>
                        <p>Okay.</p>
                    </sp>
                    <sp who="spk1">
                        <speaker n="1">STEVE HOLLAND:</speaker>
                        <p>And, I was like, "Seven thousand dollars. Now how did you
                            qualify for that?" And these were either farmers or, I mean,
                            all of them were just like I was. Well, why do they qualify and I don't?
                            I'm still out of my house, you know, so why do I not <pb id="p37" n="37"/> qualify? And it's not that I'm looking for the easy way to get out.
                            But it seems like a lot of us got letters saying we didn't qualify for
                            anything. And the ones that don't pay taxes, and don't do anything, and
                            don't work, all they had to do was just sit there and it just rolled in.
                            And we're the ones that's paying the taxes and giving them the money to
                            use. But yet we don't quali