—in terms of what we do about that.
There are three main areas that we're having these conversations about in terms of the challenges. You have houses built on flood plains that become a high risk from an insurance perspective. We need to have some preconditions in place to support the conversation on a flood insurance market. Flood plain mapping is one of them.
If I can use the analogy, when you build a house, you need to have a good foundation. Well, a good foundation of urban planning and building in appropriate areas is to have the appropriate flood plain mapping done. That's one reason why we have so much focus and attention on that area: so we can set up the right conditions to introduce that residential flood insurance.
At the same time, one of the thorny issues is around what you do in terms of having an equal opportunity to get that insurance when you're the person sitting in the high-risk area, on the one hand, and the person next to you down the road is not in that high-risk area. How do you balance that out from a financial perspective? That's one of the issues that the insurance markets themselves are grappling with.