Dr JAMES McDOWALL (ACT): Thank you, Mr Speaker. We're approaching this bill with cautious optimism. The evolution of the Earthquake Commission (EQC) and how it operates and how people make claims and what it covers has evolved over quite some time, but I think there is a general consensus that something does need to change, that it needs to continue evolving. As we discovered with the Canterbury earthquakes, the system just wasn't up to scratch and couldn't function well under great pressure. That, as we all know, resulted in great pain and frustration and a lot of lessons learnt.