I love volunteering answers. I can go first, but I'm sure Susan and Blair and Sophie can touch on this as well.
The fact that all the losses continue to show that it's going up and up is not enough. We need more money put in for risk reduction. We know where the risks are the highest. It's very easy. We can identify it. Here's where the wildfires are, and here's where the floods are. We would target the areas with the highest risk. There's a scientific basis for saying that more money should go here than there, because the risk is higher.