 And then there's wildfires in dry, arid conditions out west, and even in Butte County, which is the site of the Camp Fire, the deadliest in the lower 48. It's just dry. It's tender dry. And one lightning strike or one arid cigarette butt can start a wildfire there. So it depends on where you are. And this is adding up to billion-dollar disasters on a scale we haven't seen in history now. If you look at the chart, this actually doesn't account for the recent spate of tornadoes that plagued the United States, the recent flooding we saw in the southwest there. And so there are...