There's also changes to cover for bridges, retaining walls, and culverts. It used to be depreciated value, which was very unfortunate if you had a perfectly good 100-year-old stone wall whose depreciated value was pretty much zero but it was perfectly sound, but the insurer would not pay out on it, or EQC would not pay out on it. The bill clarifies this by using replacement cost, but it does cap the value at $50,000, and at $25,000 for bridges. That also needs to be understood, because $25,000 won't pay for a significant bridge, or even a small one in many cases, and certainly $50,000 won't pay for a significant structural retaining wall. So we need to understand how that will fit in with private insurance, and explore where we need to go with that.