That's a great question, and I agree with much of what was just said.
I would say two things. One, from a climate change perspective, is weather. Obviously, ag insurance programs are fundamentally designed to address yield losses caused by weather. Climate change fits into that, but we're now living in a world of extremes. Certainly now, indirectly we're looking at other program expansions potentially to address climate change, as you asked me, and whole-farm income protection against indirectly these things becomes important.
Trade disruptions are a classic example. If you were to take, for example, the Panama Canal, which is drying up, that's potentially leading and already has led to a lot of disruption and a ton of delays in ships getting through that canal. That causes secondary impacts, ultimately, for the delivery of products related to the farm.
That's an example of where we need to ensure that we have programs going forward that focus on responsiveness and accessibility. I don't know, Kate, if you want to add to that.