There are always going to be emergencies and disasters (we live in a dangerous world), some large and some small. But, even a small emergency can affect individuals and families as greatly as a large one. An example might be a tornado that destroys only your house. Others were not affected. The devastation you experience might be no less than a family in New Jersey or New York who lost their home to hurricane Sandy. My question to you is who is responsible for responding to your disaster. Where does personal responsibility and governmental responsibility intersect? Using Forum, write at least 100 words.