Probably the biggest thing that householders will appreciate about the bill is the increase in the cap from the present $150,000 plus GST to $300,000. That means that the Government is taking on more risk from private insurers, and it also recognises the much higher costs now for building repair. That's beneficial because, again, it makes insurance more affordable. Stuart Smith raised the point of making sure that this was tied to the Consumers Price Index, but as I understand the bill there are some new provisions in it around financial governance to make sure that premiums are reviewed so it will keep up to date. The levy wasn't reviewed between 1944 and 2012, and the insurance cap wasn't reviewed between 1993 and 2019. So, of course, those got completely out of date. So the bill is setting in law a process for this to be regularly updated at least every five years, and some criteria that the Minister must use in going through this updating process, making sure that it is transparent by requiring a funding and risk management statement to be released after each review of the financial settings, and this is all based on something similar that applies to ACC—so, again, much more accountability and transparency around financial governance and ensuring that EQC is adequately resourced, able to seek reinsurance, and is in a sound position to respond to further natural disasters.