Dr DUNCAN WEBB (Labour—Christchurch Central): Kia ora, Madam Speaker. After such a notable bill it may seem that this is perhaps not as important, but I must say I am very happy indeed to be speaking on this Natural Hazards Insurance Bill. You know, strange as it may seem, we all come to this place with some ambitions. One of mine was not particularly glamorous, but it was to make sure that the maltreatment of New Zealanders after natural disasters, that I saw in Christchurch and elsewhere, never happened again. And I actually said in my maiden speech that insurers, and the Earthquake Commission (EQC), didn't look after people. They didn't look to their legal obligations; they looked to their risk exposure and they used a law not as a guide but as a weapon. This bill is an important step to address that change. The Earthquake Commission as it is today is a wildly different thing than it was then, and this bill takes it this step further. 