I support this, and it should never have been 100, at 100 FDI they were just crying wolf a lot and the public eventually will just go "meh, its just another one of those CFS things where nothing happens"
Catastrophic needs to be reserved for those "oh crap" days, which seems like it hasn't changed in the area's where all the 6%'ers live in multiple numbers.
Thank god they changed it for the NWP and NEP and the like....