I want to go back and comment on this whole issue of flood insurance. One of the comments was that the lack of action on climate change is having an impact on flooding.
I would not think that the people now are any smarter than the people were a little while ago, but here's what I am wondering about, which happens in large urban areas, which I'm close to, as well as in rural areas. You have the influence of professionals who have buildings built in flood plains. They do. I went by a 25-acre parcel that was all treed. They stripped the trees out, brought in five feet of dirt, and now there are houses on it. I don't understand that, when I have trouble building a drive shed because somebody else believes that it may be on a flood plain.
I think one of the concerns is that the influence of professionals on councils has a large impact on where the housing is going to be, and the result is that the homeowner gets stuck with the insurance because somebody else nodded their head. Then, when it goes wrong, the professionals tend to go out the back door, and the homeowners and the municipalities get hung with it.
That's just a comment. I really do get concerned about this insurance issue, because somebody allowed them to do that, and it's the homeowner who gets caught with it. Are there discussions about how they may rectify that?