 And you've got a new paper on that, and we'll get to that in just a minute. But looking at this December paper, you talk about poleward expansion. So bringing this down to earth, what does your team's new analysis suggest for cities in the American Northeast, for example? Could New York become known as a storm city like New Orleans is? Well, I hope not. And, again, it tends to be a local thing. New York, because it's sort of set,