 Mr. Chairman, I yield back and thank you for your time. The gentleman yields back. With that, we go to the gentleman from Illinois, Mr. Kasten. Thank you, Mr. Chair, Madam Secretary. So nice to see you here again. I'm grateful for your time today. I want to chat about this ongoing risk from climate change in our financial markets and specifically to what's happening in insurance sectors. There's been a lot of reporting that I'm sure you've seen a lot of. The New York Times said that I think homeowners insurance