I'm going to deliberately sidestep that specific question and say that an alternative approach is to address those incentives that I mentioned before.
The federal government stands up a national flood insurance program, funds it and backstops it, but then relies on the provinces to keep it affordable by undertaking the necessary program to reduce the risk at a provincial level. We have to be really smart and innovative around these exact questions. How do you make sure it's in the provinces' best interests to act for their constituents?