If one were to take a city like Wellington, many dwellings cannot exist without their retaining walls, and those retaining walls might be both forward and back of the property, or to one side—whatever it might be. If the property cannot be repaired without the retaining wall being repaired, I think there's a real question about how much should be embodied in the whole of that cap coverage. No one will ever get this totally right, and it would be a good idea if we could have enough time at the select committee to go through all of the circumstances that people have had to deal with in the extraordinary events of Christchurch.