So what are we proposing to change, in the bill? The bill introduces a range of measures to update the financial governance of the commission to reflect modern practice and to require at least a five-yearly review of the scheme's key financial and risk management settings. Many of those living in mixed- and multi-use buildings across Canterbury—and, again, in Wellington, following the Kaikōura earthquake—had a difficult time resolving multiple insurance claims for damage in their building or complex. The bill proposes rules that are clearer and easier to determine the amount of compensation to be paid. Changes proposed will make it easier for people with retaining walls, bridges, and culverts to understand what compensation they could receive if these are damaged. There'll be caps of $50,000 per dwelling for retaining walls and $25,000 per dwelling for bridges and culverts. This allows people to purchase further cover if, for example, their property has considerable retaining walls.