But I do offer this caution: in 1992, when the legislation first came into the House for the 1993 Act, $100,000 would pretty much replace, quite easily, the average home in New Zealand. That is not the case with the $300,000 proposed in this. When you look at the cost of building these days, you look at the cost of the average home, and you look at the price of new builds, then you know that we're possibly not even at the halfway point with that particular figure. So it will be interesting to hear through that committee process from officials as to how they've managed to come to that figure and justify that figure. Remember too that the reason that the EQC was structured the way it was in 1993 was because the insurers of the day had decided they weren't going to cover New Zealand for earthquakes any longer. That, I think, is an ever present threat. But, even with the huge costs that have been met by insurance as a result of Canterbury and Kaikōura and other smaller tremors around the country and other events around the country, the reality is that it remains a very good market for insurers because of that deep penetration that we have in our market.