There's no surprises that New Zealand does have a high insurance rate. Again, many speakers in the House tonight have gone through why we do, and that's obviously for a lot of the natural hazards that we've had. One of the areas that is always difficult when you are assessing claims is when you come to areas of what we call total losses. Total losses is where an insured has, for whatever reason—whether it be due to a car accident or due to a fire; sometimes due to floods—absolutely lost everything for that insured property. It's not just around the actual physical loss of that house or that physical loss of whatever that property is; it comes with a big package of emotions. Most people here have some sort of sentimental connection to whatever the property is that they have or that they own. Particularly for New Zealand, you can't get a mortgage without insurance, so one of the biggest items that you're going to have in your entire life will be your house. It needs to be insured. If you go through the process of a total loss, there are a lot of emotions that come with it.