 The main factor is that the building valuation and replacement costs has increased about 50% in the last five years. We could actually say the last four years because it basically started at the start of the pandemic. Dolev says a lack of competition is also to blame. The other thing that a hard market does is some companies pull out of the market. So there's less competition that drives up the premiums, and there's few, if any, new insurers that have entered the market.