 I'm going to go to an email from Joy, which I think is related to this answer that you just gave, Damian. My question is about the impacts of stronger storms and storm surge impacts on coastal properties. It seems that the impacts from storms are increasing, and right now the approach to dealing with them, it seems, to be rebuilding after each storm. This doesn't seem very sustainable in the long term, particularly for towns with smaller populations that may not have the funds to continue to manage these impacts.