BARBARA EDMONDS (Labour—Mana): Thank you, Madam Speaker. Good to be able to take a call on the Natural Hazards Insurance Bill and to support it through the first reading. There are two certain things, they say, in life—that's death and taxes. I believe insurance is actually not far off it. If you look at history, there are records going back to 4,000, 3,000 BCE of insurance—of merchants going off to sea and the goods that are on board those ships being insured from land.