I think we're saying the same thing. You could include that under mitigation, going back and fixing something. I'm only using as one example that one way of doing earthquakes is to do building codes. But in some provinces, Ontario for example, I had responsibility for the fire marshal. The fire marshal had the fire code, the fire code talked about retrofits, and we did retrofits for public safety. What you find with retrofits is that they're expensive and difficult and they're very difficult to finance, but you're talking about retrofitting and there is much merit in retrofitting as well.
I think all of us in the field feel the whole area of mitigation and prevention has been underdeveloped, not only in Canada but around the world. The estimates are that the minimum payback for mitigation is at least six times in savings.