I have one quick point.
We're talking a lot about insurance incentives, adjustments in premiums, cap limits and so forth. That's all important, but don't forget the banks. We're in the early stages of discussions right now with the banks for homeowners who put the measures in place to mitigate flood or wildfire risk to get a couple of basis points shaved off the cost of their mortgage, because there's a lower probability of them having a flooded basement or having a house burn down. If you're holding the mortgage on a property, that's important. There are multiple financial drivers emerging rapidly.