That was my point about the economic incentives. Whenever you have a program that blurs the price signal, it increases the likelihood of taking risks. Making sure the insurance market is efficient at pricing risk will hopefully allow the incentives to reduce risk.
I briefly talked about the California case with the premium caps. It was pointed out as a contributor to what we have right now, where many households are exposed to wildfires in California.
I understand the issue of affordability. It could be short term. There could be conditions. It could be for low or medium—