 So if you think about any time a big storm like we've been talking about that's larger, it hits the metro area where we're concentrated and we have more people than we have in the past, then that's going to just create a lot of damage. But also the scope of it makes it hard to repair and you get into things like inflation and other things. But we're seeing more big dollar value storms because the storms are bigger, so they're just doing more damage. Arnold says they're looking at upping building codes to a fortified standard to be able to better withstand the impacts of severe weather.