In closing, I do want to acknowledge the work that's gone into this—particularly with officials at both the EQC and Treasury, working together constructively, agreeing many things, disagreeing other things, and seeking clarification from the responsible Minister. A huge amount of effort has gone into getting the technical detail right, to looking at how claims have been settled customarily, to ensure that the rules are clarified to the extent possible, to ensure that the process can be as simple as possible for those who are trying to recover in the face of a significant natural event. 