Reality (h/t Dr. Black):In certain ZIP codes in places like Homestead and Florida City, around 25 percent of the homes are in one stage of foreclosure or another. Countless others were built by developers and sit vacant in ghostly subdivisions, with not a buyer in sight.In the days after Andrew, then-Dade County Emergency Management Director Kate Hale famously said on national TV: ''Where the hell is the cavalry on this one?''The same could be asked now, in this new disaster. People in south...