Yes, of course, we are because insurance issues are widespread.
The other thing is from a global perspective, in that there are many parts of the world that are being dramatically affected by extreme weather events for which insurance has never been available. Poor countries have to rely on their own governments to be able to help people as emergency crises pummel them one after another. These are places like Mozambique and parts of Pakistan.
One thing I find interesting about this question, however, is that it really is about growing uncertainty and how much it costs. I just came back from a series of conferences in the Okanagan. They're very afraid not just of the insurance issue, but of whether or not their economy might have to change as a result of how rapidly their climate is being altered.
What I find really interesting about this is that we're approaching urgency here. The emergency that we're talking about is—