How do you quantify that? At what threshold does it become catastrophic? Is it just a dollar value, or is it a normalized measurement over time?
Over time, over the last several decades, over the last century, the houses that we live in, for example, have become much more elaborate. We've become accustomed to a much higher lifestyle. How is that taken into account and normalized along with the choices we make to live on the banks of a river because it's a nice place to live?