 have those sorts of days of reckoning. The insurance industry is going to pull out, people are going to move, and we'll end up retreating. Yes, and we didn't say the word Miami. Well, look, weather in the southern U.S. seems so strange lately. We've seen flooding and strings of tornadoes. Is that just part of life there, or do you think there's something unusual going on? We've certainly seen that heavy downpours, the upper 1% of the spectrum, are increasing.