Could you comment on the cost of those disasters related to the value of the property versus the density? What I'm trying to get at here, ultimately, is the density and the relative value. We used to live in small, modest houses 20, 30 and 40 years ago. Now the trend is much larger.
I don't think we accurately capture the more affluent circumstances we have here in many cases, especially in flood-prone areas and in the urban environment.