It's worth noting that, when there was the proposal for the Government to buy out properties that were so badly damaged they were difficult to repair, if at all, or couldn't be repaired and where the land was so badly damaged it couldn't be built on again, the expectation was that up to—working on international figures—15 percent of households might be uninsured. In the event, it was under 2 percent—quite an extraordinary thing. That indicates that New Zealanders do value their properties, and it reinforces the obligation that falls on a Government to ensure that there is a structure in place that will give people the sort of surety that they need.