What we have recommended is a national insurance program that we think could definitely help as a backstop for private insurance.
We also think there should be incentives for people to take action to prepare their properties against fire, particularly. There are lots of things that can be done in that regard. Those kinds of programs would certainly help. Putting on a metal roof and those sorts of things are very costly, but if there are rebates or the ability for people to take action, as is recommended, they would.