This bill goes to set up new definitions around land damage—where the barriers lie. I think that's a really important thing to do. That caused a lot of issues in the Christchurch one and, indeed, in the Kaikōura earthquake. I do note in clause 42 that the maximum land cover amount for residential land—and it goes down into "(1)(b)(ii) the number of dwellings in the residential building multiplied by $50,000 plus GST;", and then damage to bridges and culverts in residential buildings, the lesser of "(1)(c)(ii) the number of dwellings in the residential building multiplied by $25,000 plus GST." I look forward to understanding, through the select committee process, where these numbers came from, how they were calculated, and if they are adequate. What really worries me about this, and the cap that's gone from $150,000 to $300,000 under this bill, is we're in a cost of living crisis in New Zealand at the moment, with rampant inflation. It's only going to get worse. How long are these numbers going to remain valid? Should they be linked to the Consumers Price Index, or the building cost inflation at least? I don't know the answers to those, but I'm sure that we will hear quite a bit about that during the select committee process. These things all need to be teased out.