After the Canterbury earthquakes, this wasn't always the case. So we have taken the time to learn from the Canterbury experience to ensure no one needs to be traumatised again by the claims process. The Natural Hazards Insurance Bill builds on the important lessons we've learned during the past decade. It streamlines the current Earthquake Commission Act and incorporates many of the recommendations from Dame Silvia Cartwright's public inquiry into the Earthquake Commission (EQC). I want to, at this point, put on record my thanks to Dame Silvia for her very comprehensive report and well-considered recommendations, which have provided a fantastic platform for futureproofing the scheme. Dame Silvia made 70 recommendations in her inquiry. I'm proud to say that 49 of these have been completed or are close to completion, including 10 recommendations being completed by the passage of this bill itself.