Frankly, coming up with a program so that all Canadians would be protected against flood and other hazards—so that they have insurance if they experience a loss, they can recover and there's money available—is really important. That's really critical to have.
What's better than having a program where money is paid after a loss is to not have loss. The commitment in the U.K. was to try, over 25 years, for a national effort to avoid any risk of loss by putting in flood defences and all kinds of protection.
Some of us are a little skeptical as to whether that will be completed in 25 years and whether there's enough funding, but the concept was that it would take some time—25 years was the time chosen politically—to not need flood insurance because you'd have protection.