We're looking forward 20, 30, or 50 years, and as Mr. Butler said, water is the new fire. Let me switch to Mr. Butler here to follow up on that comment because I think it is interesting.
You had a presentation from the insurance industry on the cost of insurance and it does relate to our conversation with Mr. Fortune. Did they give you any insight, first, on the increase of premium by virtue of water events, and second, on the changing of insurance contract language? I've never noticed that insurance companies are overly enthusiastic about paying out. They do seem to have a great deal of enthusiasm about collecting my premium though. I'd be interested in any observations you have with respect to the insurance industry and its recognition of the impacts of climate change on the industry.