We've come a long way.
With regard to flood mapping, seven years ago the flood maps for this country were terrible. We relied on what we received from Natural Resources Canada as an input. However, now there are global private-sector firms that model Canada for flooding, and their models have come a long way in the last seven years.
Public Safety Canada has taken pretty well all of the existing models and created a comprehensive—probably it's the best in class—flood model for the country, and that's what's going to be used for the actuarial analysis for the national flood insurance program.
I would say that, whereas flood mapping was more of an issue several years ago, the private sector innovation in the area, combined with the recent investments that Natural Resources Canada is using to improve the base mapping, have meant that we're in much better shape than we used to be. However, those maps do not predict future conditions. They are all about what the risk is now, and we have a ways to go, not just in Canada but everywhere around the world, on how we improve the maps to address that.