I appreciate that. It's arbitrary.
To the resiliency in building back better, I think this is an insurance question.
Whenever there's a recovery, and insurance pays us back, it's supposed to put us back in like quality, and there's an effort to put better shingles on, better siding on or build berms or something to mitigate future.... I'm worried about the experience where an insurance company will then say, since you've improved the property now, it's worth a lot more money and that's going to increase your premiums. I'm worried about that from first-hand experience, because that happened to me. How can we address that systemically?