Most insurance companies now have some sort of build back better allowance within their insurance products.
It's interesting that last year, for example, with all of the floods and events we had, we wrote to all of our individual claimants to urge them to take advantage of the extra funds available and, as I mentioned, the municipal incentives to help them build back better. We didn't get a lot of take-up, which is interesting. It goes back to the education and the need to make what's available more visible and encouraging people to do that.
On that subject in general, we want to work on that. When it comes to building back in the same location, typically we don't require the same location, physically, anymore. We will obviously move the customer or the claimant to a location that's more appropriate. That's part of the claims settlement process.