 Inevitably, there will be increased insurance costs for living on the coast. But you can build in resiliency. Louisiana has built coastal flood protection. In our recent hurricane, there were 10,000 homes that didn't flood that would have, based upon surge, without that coastal protection. We can build resiliency. And I thank Sheldon for helping me, me helping him, on coming up with the extra dollars to build that resiliency out.