I do just want to acknowledge the report done by Dame Silvia Cartwright and the 70 recommendations, which have helped to feed into this particular piece of legislation, and the work that has been done to ensure that the voices of New Zealanders who did have to go through incredibly challenging and difficult processes following the earthquakes to be able to be heard—to be able to get their claims assessed and to be able to ensure that they could get on with their lives following those incredibly serious events with their homes damaged, lives disrupted, and then being able to, effectively, rebuild or have their homes fixed and being able to navigate that system. All of these things are things that we don't hope anyone has to go through. These are not the types of situations we wish upon people, but, unfortunately, this is part of living in a country which has many natural disasters and which has many risks that we have to manage and we have to deal with. 