Okay, so it's wide open and still out there.
I'm talking about the differences in overland flooding and what streams cause, there's a difference in the sense of what municipalities will do with developers. If a developer says he wants to put in a 16-inch pipe, you have overland flooding from storms, and maybe a 24-inch pipe would do it. That's a decision that's made, versus allowing a developer to build on a flood plain. There's a difference there in insurance coverage. The insurance coverage will cost in sewer backup overland flooding in a different way than it will with the lack of capacity in infrastructure. Do you deal with all of that?