 Yes. So generally, yes. The key component there really is just to understand the degree of risk and the relative risk of the individual property. This is why insurance needs to be so significantly or directly curtailed to that one piece of property. In the case of Superstorm Sandy, you had sort of instances where there were individuals or individual property owners with flood insurance, but the water damage that related to the property didn't necessarily qualify. So you want to sit down and you want to evaluate what...