So, since the Earthquake and War Damage Act 1944, we've had a social contract that across New Zealand we will share the risk of loss to homes, and after the Abbotsford slip in '79, we also insure the land underneath them. Our land is subject to many hazards, and it's entirely reasonable that we spread the risk of those hazards evenly across all homeowners. And with that cushion, there is the expectation, an important expectation, that insurers will step up and offer comprehensive natural disaster insurance to all homeowners at an affordable price. 