 And why are they in particular vulnerable to flooding? So these informal areas by nature are growing in areas where the city has not planned for buildings to be. So this is often hazardous area. So you'll often find that informal settlements, as we might call them, are actually located, for example, close to rivers that might be flooded. So the amount of damage will be different because simply the shacks themselves are not very sturdy constructions. Roads turned into rivers and tens of thousands of people forced to flee their homes.